Home > Security Federal Savings Bank of McMinnville > Performance and Condition Ratios
Security Federal Savings Bank of McMinnville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2548% | 1,563 |
| Cost of funding earning assets | 1.9355% | 1,016 |
| Net interest margin | 3.3193% | 2,582 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.1977% | 3,137 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0459% | 2,076 |
| Return on assets (ROA) | 1.0467% | 2,045 |
| Pretax return on assets | 1.4086% | 1,613 |
| Return on Equity (ROE) | 11.3700% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.0824% | 1,003 |
| Net charge-offs to loans | -0.0083% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.6672% | 3,122 |
| Assets per employee ($millions) | 6.6186% | 2,330 |
| Cash dividends to net income (ytd only)* | 11.3144% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,240 |
| Loan loss allowance to noncurrent loans | 1,076.3393% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 2,792 |
| Noncurrent loans to loans | 0.0942% | 3,073 |
| Net loans and leases to total assets | 72.5900% | 1,515 |
| Net loans and leases to deposits | 81.2230% | 2,012 |
| Net loans and leases to core deposits | 92.3775% | 1,878 |
| Total domestic deposits to total assets | 89.3700% | 958 |
| Equity capital to assets | 9.5673% | 2,298 |
| Core capital (leverage) ratio | 10.6938% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8042% | 1,595 |
| Memoranda: | ||
| Average total assets | $313,283,000 | 2,353 |
| Average earning assets | $296,775,600 | 2,323 |
| Average equity | $28,842,400 | 2,323 |
| Average total loans | $229,078,600 | 2,109 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 1,569 |
| Cost of funding earning assets | 1.8042% | 998 |
| Net interest margin | 3.3308% | 2,618 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.2070% | 3,058 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.0533% | 2,206 |
| Return on assets (ROA) | 1.0537% | 2,196 |
| Pretax return on assets | 1.4186% | 1,736 |
| Return on Equity (ROE) | 11.5600% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.8150% | 1,457 |
| Net charge-offs to loans | -0.0088% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.5873% | 3,013 |
| Assets per employee ($millions) | 6.5347% | 2,304 |
| Cash dividends to net income (ytd only)* | 15.1182% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 3,390 |
| Loan loss allowance to noncurrent loans | 800.6826% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 2,629 |
| Noncurrent loans to loans | 0.1245% | 2,932 |
| Net loans and leases to total assets | 75.8500% | 1,140 |
| Net loans and leases to deposits | 84.7828% | 1,667 |
| Net loans and leases to core deposits | 95.7803% | 1,563 |
| Total domestic deposits to total assets | 89.4600% | 1,086 |
| Equity capital to assets | 9.4862% | 2,106 |
| Core capital (leverage) ratio | 10.5639% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5996% | 1,683 |
| Memoranda: | ||
| Average total assets | $310,525,750 | 2,374 |
| Average earning assets | $293,893,250 | 2,342 |
| Average equity | $28,296,000 | 2,336 |
| Average total loans | $226,892,750 | 2,120 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 1,639 |
| Cost of funding earning assets | 1.6746% | 922 |
| Net interest margin | 3.2806% | 2,794 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.1941% | 3,096 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0261% | 2,333 |
| Return on assets (ROA) | 1.0261% | 2,326 |
| Pretax return on assets | 1.3810% | 1,860 |
| Return on Equity (ROE) | 11.4100% | 2,326 |
| Retained earnings to average equity (ytd only) | 8.7663% | 1,745 |
| Net charge-offs to loans | -0.0098% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.0773% | 2,952 |
| Assets per employee ($millions) | 6.5565% | 2,248 |
| Cash dividends to net income (ytd only)* | 23.2020% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,463 |
| Loan loss allowance to noncurrent loans | 926.4228% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 2,684 |
| Noncurrent loans to loans | 0.1071% | 2,945 |
| Net loans and leases to total assets | 72.2900% | 1,494 |
| Net loans and leases to deposits | 80.3795% | 1,941 |
| Net loans and leases to core deposits | 89.7214% | 1,817 |
| Total domestic deposits to total assets | 89.9400% | 932 |
| Equity capital to assets | 9.0760% | 2,463 |
| Core capital (leverage) ratio | 10.1137% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4723% | 1,734 |
| Memoranda: | ||
| Average total assets | $311,657,333 | 2,372 |
| Average earning assets | $294,762,333 | 2,343 |
| Average equity | $28,016,333 | 2,353 |
| Average total loans | $224,089,667 | 2,132 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7361% | 1,766 |
| Cost of funding earning assets | 1.5059% | 836 |
| Net interest margin | 3.2301% | 3,042 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.2094% | 3,077 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9802% | 2,593 |
| Return on assets (ROA) | 0.9802% | 2,566 |
| Pretax return on assets | 1.3169% | 2,131 |
| Return on Equity (ROE) | 10.9600% | 2,503 |
| Retained earnings to average equity (ytd only) | 10.9577% | 1,474 |
| Net charge-offs to loans | -0.0072% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.3099% | 2,775 |
| Assets per employee ($millions) | 6.3726% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,544 |
| Loan loss allowance to noncurrent loans | 9,613.0435% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,277 |
| Noncurrent loans to loans | 0.0103% | 3,750 |
| Net loans and leases to total assets | 69.2400% | 1,700 |
| Net loans and leases to deposits | 76.8376% | 2,052 |
| Net loans and leases to core deposits | 85.3866% | 1,906 |
| Total domestic deposits to total assets | 90.1100% | 1,122 |
| Equity capital to assets | 8.9148% | 2,581 |
| Core capital (leverage) ratio | 10.2614% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4885% | 1,798 |
| Memoranda: | ||
| Average total assets | $310,131,000 | 2,409 |
| Average earning assets | $293,238,000 | 2,383 |
| Average equity | $27,743,000 | 2,405 |
| Average total loans | $221,244,000 | 2,164 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7536% | 2,397 |
| Cost of funding earning assets | 0.4642% | 1,622 |
| Net interest margin | 3.2894% | 2,594 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.2043% | 3,017 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0341% | 2,440 |
| Return on assets (ROA) | 1.0333% | 2,381 |
| Pretax return on assets | 1.3865% | 1,804 |
| Return on Equity (ROE) | 11.4200% | 2,333 |
| Retained earnings to average equity (ytd only) | 10.0397% | 1,136 |
| Net charge-offs to loans | 0.0632% | 1,018 |
| Credit loss provision to net charge-offs | 185.0394% | 1,170 |
| Earnings coverage of net charge-offs (x) | 34.2047% | 1,607 |
| Efficiency ratio | 60.0442% | 3,054 |
| Assets per employee ($millions) | 5.9144% | 2,835 |
| Cash dividends to net income (ytd only)* | 12.1242% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 3,480 |
| Loan loss allowance to noncurrent loans | 1,263.5294% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 2,825 |
| Noncurrent loans to loans | 0.0774% | 3,204 |
| Net loans and leases to total assets | 72.1200% | 1,402 |
| Net loans and leases to deposits | 80.0643% | 1,767 |
| Net loans and leases to core deposits | 87.1631% | 1,670 |
| Total domestic deposits to total assets | 90.0700% | 1,333 |
| Equity capital to assets | 8.9781% | 2,371 |
| Core capital (leverage) ratio | 10.2609% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4918% | 1,784 |
| Memoranda: | ||
| Average total assets | $296,143,400 | 2,467 |
| Average earning assets | $274,457,600 | 2,472 |
| Average equity | $26,783,600 | 2,493 |
| Average total loans | $200,839,200 | 2,226 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 2,585 |
| Cost of funding earning assets | 0.3104% | 2,059 |
| Net interest margin | 3.2015% | 2,618 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.2032% | 2,926 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9976% | 2,484 |
| Return on assets (ROA) | 0.9969% | 2,456 |
| Pretax return on assets | 1.3348% | 1,936 |
| Return on Equity (ROE) | 11.0000% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.1502% | 1,600 |
| Net charge-offs to loans | 0.0476% | 1,006 |
| Credit loss provision to net charge-offs | 130.0000% | 1,179 |
| Earnings coverage of net charge-offs (x) | 43.4857% | 1,347 |
| Efficiency ratio | 61.5414% | 2,892 |
| Assets per employee ($millions) | 5.7047% | 3,031 |
| Cash dividends to net income (ytd only)* | 16.8330% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 3,628 |
| Loan loss allowance to noncurrent loans | 869.6203% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,705 |
| Noncurrent loans to loans | 0.1111% | 3,094 |
| Net loans and leases to total assets | 72.6000% | 1,220 |
| Net loans and leases to deposits | 80.5140% | 1,553 |
| Net loans and leases to core deposits | 87.2695% | 1,450 |
| Total domestic deposits to total assets | 90.1700% | 1,583 |
| Equity capital to assets | 8.8836% | 2,297 |
| Core capital (leverage) ratio | 10.2876% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3842% | 1,909 |
| Memoranda: | ||
| Average total assets | $294,771,000 | 2,497 |
| Average earning assets | $271,866,250 | 2,505 |
| Average equity | $26,709,250 | 2,532 |
| Average total loans | $196,130,500 | 2,257 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2964% | 2,751 |
| Cost of funding earning assets | 0.2855% | 1,844 |
| Net interest margin | 3.0109% | 2,843 |
| Noninterest income to average assets | 0.6195% | 1,657 |
| Noninterest expense to average assets | 2.1429% | 3,026 |
| Loan and lease loss provision to assets | 0.0412% | 1,837 |
| Net operating income to assets | 0.8955% | 2,601 |
| Return on assets (ROA) | 0.8945% | 2,580 |
| Pretax return on assets | 1.1917% | 2,104 |
| Return on Equity (ROE) | 9.8085% | 2,402 |
| Retained earnings to average equity (ytd only) | 7.0600% | 1,970 |
| Net charge-offs to loans | -0.0042% | 3,290 |
| Credit loss provision to net charge-offs | -1,525.0000% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4527% | 2,848 |
| Assets per employee ($millions) | 5.8445% | 2,878 |
| Cash dividends to net income (ytd only)* | 28.0211% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,252 |
| Loan loss allowance to noncurrent loans | 1,412.0805% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 3,037 |
| Noncurrent loans to loans | 0.0762% | 3,411 |
| Net loans and leases to total assets | 64.8707% | 1,818 |
| Net loans and leases to deposits | 71.8856% | 2,038 |
| Net loans and leases to core deposits | 77.6743% | 1,878 |
| Total domestic deposits to total assets | 90.2416% | 1,615 |
| Equity capital to assets | 8.8644% | 2,483 |
| Core capital (leverage) ratio | 9.6754% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2036% | 1,656 |
| Memoranda: | ||
| Average total assets | $296,047,667 | 2,504 |
| Average earning assets | $271,144,667 | 2,533 |
| Average equity | $26,997,000 | 2,581 |
| Average total loans | $190,415,667 | 2,297 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1693% | 2,780 |
| Cost of funding earning assets | 0.2837% | 1,783 |
| Net interest margin | 2.8857% | 2,889 |
| Noninterest income to average assets | 0.5437% | 1,935 |
| Noninterest expense to average assets | 2.1177% | 3,087 |
| Loan and lease loss provision to assets | 0.0420% | 1,600 |
| Net operating income to assets | 0.7714% | 2,766 |
| Return on assets (ROA) | 0.7714% | 2,758 |
| Pretax return on assets | 1.0182% | 2,383 |
| Return on Equity (ROE) | 8.3417% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.3417% | 1,474 |
| Net charge-offs to loans | 0.0021% | 1,745 |
| Credit loss provision to net charge-offs | 3,100.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 782.0000% | 123 |
| Efficiency ratio | 66.6382% | 2,686 |
| Assets per employee ($millions) | 6.2649% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,438 |
| Loan loss allowance to noncurrent loans | 1,457.0423% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,138 |
| Noncurrent loans to loans | 0.0738% | 3,480 |
| Net loans and leases to total assets | 64.6741% | 1,538 |
| Net loans and leases to deposits | 71.8341% | 1,794 |
| Net loans and leases to core deposits | 77.6932% | 1,639 |
| Total domestic deposits to total assets | 90.0326% | 1,545 |
| Equity capital to assets | 9.0684% | 2,655 |
| Core capital (leverage) ratio | 9.5821% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2750% | 1,700 |
| Memoranda: | ||
| Average total assets | $295,036,500 | 2,519 |
| Average earning assets | $269,331,000 | 2,560 |
| Average equity | $27,284,500 | 2,646 |
| Average total loans | $187,891,500 | 2,308 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3131% | 3,167 |
| Cost of funding earning assets | 0.4211% | 1,382 |
| Net interest margin | 2.8919% | 3,465 |
| Noninterest income to average assets | 0.9507% | 1,093 |
| Noninterest expense to average assets | 2.2215% | 3,007 |
| Loan and lease loss provision to assets | 0.0856% | 1,436 |
| Net operating income to assets | 0.9493% | 2,871 |
| Return on assets (ROA) | 0.9493% | 2,944 |
| Pretax return on assets | 1.2751% | 2,439 |
| Return on Equity (ROE) | 9.8703% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.4952% | 1,343 |
| Net charge-offs to loans | -0.0033% | 3,455 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0161% | 2,864 |
| Assets per employee ($millions) | 5.9125% | 2,851 |
| Cash dividends to net income (ytd only)* | 13.9317% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,307 |
| Loan loss allowance to noncurrent loans | 1,258.6420% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 3,224 |
| Noncurrent loans to loans | 0.0884% | 3,492 |
| Net loans and leases to total assets | 61.3085% | 2,034 |
| Net loans and leases to deposits | 68.3316% | 2,279 |
| Net loans and leases to core deposits | 74.2345% | 2,058 |
| Total domestic deposits to total assets | 89.7220% | 1,099 |
| Equity capital to assets | 9.4265% | 3,205 |
| Core capital (leverage) ratio | 9.4780% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5595% | 1,667 |
| Memoranda: | ||
| Average total assets | $280,533,000 | 2,533 |
| Average earning assets | $255,260,400 | 2,585 |
| Average equity | $26,979,800 | 2,726 |
| Average total loans | $180,326,600 | 2,383 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3610% | 3,218 |
| Cost of funding earning assets | 0.4445% | 1,389 |
| Net interest margin | 2.9164% | 3,516 |
| Noninterest income to average assets | 0.9712% | 1,117 |
| Noninterest expense to average assets | 2.2488% | 2,898 |
| Loan and lease loss provision to assets | 0.0867% | 1,369 |
| Net operating income to assets | 0.9567% | 3,060 |
| Return on assets (ROA) | 0.9563% | 3,141 |
| Pretax return on assets | 1.2839% | 2,665 |
| Return on Equity (ROE) | 9.8909% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.0423% | 2,044 |
| Net charge-offs to loans | -0.0022% | 3,244 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1240% | 2,674 |
| Assets per employee ($millions) | 5.7842% | 2,908 |
| Cash dividends to net income (ytd only)* | 18.6902% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,513 |
| Loan loss allowance to noncurrent loans | 2,102.1277% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,562 |
| Noncurrent loans to loans | 0.0516% | 3,855 |
| Net loans and leases to total assets | 62.3644% | 1,962 |
| Net loans and leases to deposits | 70.1118% | 2,232 |
| Net loans and leases to core deposits | 78.2528% | 1,878 |
| Total domestic deposits to total assets | 88.9499% | 1,309 |
| Equity capital to assets | 9.4883% | 3,384 |
| Core capital (leverage) ratio | 9.5517% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4039% | 1,828 |
| Memoranda: | ||
| Average total assets | $276,760,500 | 2,577 |
| Average earning assets | $251,350,500 | 2,635 |
| Average equity | $26,758,000 | 2,776 |
| Average total loans | $179,588,000 | 2,426 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4146% | 3,139 |
| Cost of funding earning assets | 0.4776% | 1,344 |
| Net interest margin | 2.9369% | 3,484 |
| Noninterest income to average assets | 0.9611% | 1,134 |
| Noninterest expense to average assets | 2.2450% | 2,938 |
| Loan and lease loss provision to assets | 0.0880% | 1,407 |
| Net operating income to assets | 0.9652% | 3,018 |
| Return on assets (ROA) | 0.9669% | 3,092 |
| Pretax return on assets | 1.2920% | 2,654 |
| Return on Equity (ROE) | 9.9358% | 2,764 |
| Retained earnings to average equity (ytd only) | 7.1390% | 2,380 |
| Net charge-offs to loans | -0.0022% | 3,219 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9684% | 2,730 |
| Assets per employee ($millions) | 5.6842% | 2,920 |
| Cash dividends to net income (ytd only)* | 28.1487% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,600 |
| Loan loss allowance to noncurrent loans | 814.4681% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 3,363 |
| Noncurrent loans to loans | 0.1295% | 3,540 |
| Net loans and leases to total assets | 63.1629% | 2,044 |
| Net loans and leases to deposits | 70.9959% | 2,309 |
| Net loans and leases to core deposits | 79.2905% | 1,939 |
| Total domestic deposits to total assets | 88.9670% | 1,299 |
| Equity capital to assets | 9.4609% | 3,369 |
| Core capital (leverage) ratio | 9.5746% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1442% | 1,928 |
| Memoranda: | ||
| Average total assets | $272,610,667 | 2,591 |
| Average earning assets | $247,059,667 | 2,645 |
| Average equity | $26,530,333 | 2,782 |
| Average total loans | $178,670,667 | 2,443 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4945% | 2,942 |
| Cost of funding earning assets | 0.4976% | 1,409 |
| Net interest margin | 2.9969% | 3,261 |
| Noninterest income to average assets | 1.0329% | 1,083 |
| Noninterest expense to average assets | 2.3118% | 2,749 |
| Loan and lease loss provision to assets | 0.0900% | 1,474 |
| Net operating income to assets | 1.0033% | 2,799 |
| Return on assets (ROA) | 1.0105% | 2,867 |
| Pretax return on assets | 1.3493% | 2,435 |
| Return on Equity (ROE) | 10.2311% | 2,609 |
| Retained earnings to average equity (ytd only) | 10.2311% | 1,591 |
| Net charge-offs to loans | -0.0023% | 3,162 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7788% | 2,795 |
| Assets per employee ($millions) | 5.6859% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,014 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.4960% | 1,982 |
| Net loans and leases to deposits | 72.8313% | 2,232 |
| Net loans and leases to core deposits | 80.5568% | 1,952 |
| Total domestic deposits to total assets | 88.5553% | 1,583 |
| Equity capital to assets | 9.7318% | 2,964 |
| Core capital (leverage) ratio | 10.0332% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4357% | 1,762 |
| Memoranda: | ||
| Average total assets | $266,810,500 | 2,620 |
| Average earning assets | $241,180,500 | 2,671 |
| Average equity | $26,351,000 | 2,780 |
| Average total loans | $177,291,000 | 2,457 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 2,314 |
| Cost of funding earning assets | 0.7823% | 1,286 |
| Net interest margin | 3.3581% | 2,906 |
| Noninterest income to average assets | 0.8314% | 1,448 |
| Noninterest expense to average assets | 2.5278% | 2,761 |
| Loan and lease loss provision to assets | 0.0829% | 3,342 |
| Net operating income to assets | 0.9505% | 2,479 |
| Return on assets (ROA) | 0.9528% | 2,616 |
| Pretax return on assets | 1.2680% | 2,088 |
| Return on Equity (ROE) | 9.1023% | 2,352 |
| Retained earnings to average equity (ytd only) | 5.2556% | 2,158 |
| Net charge-offs to loans | 0.0434% | 2,190 |
| Credit loss provision to net charge-offs | 263.1579% | 1,876 |
| Earnings coverage of net charge-offs (x) | 42.8158% | 1,328 |
| Efficiency ratio | 65.2202% | 2,645 |
| Assets per employee ($millions) | 5.2140% | 3,134 |
| Cash dividends to net income (ytd only)* | 42.2609% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,810 |
| Loan loss allowance to noncurrent loans | 1,156.7742% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 3,730 |
| Noncurrent loans to loans | 0.0877% | 3,936 |
| Net loans and leases to total assets | 67.0932% | 1,938 |
| Net loans and leases to deposits | 78.6538% | 2,011 |
| Net loans and leases to core deposits | 87.7852% | 1,712 |
| Total domestic deposits to total assets | 85.3019% | 2,652 |
| Equity capital to assets | 10.0276% | 3,109 |
| Core capital (leverage) ratio | 10.0300% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1845% | 1,784 |
| Memoranda: | ||
| Average total assets | $241,397,000 | 2,645 |
| Average earning assets | $218,844,400 | 2,681 |
| Average equity | $25,268,400 | 2,779 |
| Average total loans | $175,220,400 | 2,443 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 2,194 |
| Cost of funding earning assets | 0.8448% | 1,283 |
| Net interest margin | 3.4222% | 2,844 |
| Noninterest income to average assets | 0.8183% | 1,425 |
| Noninterest expense to average assets | 2.5953% | 2,541 |
| Loan and lease loss provision to assets | 0.0790% | 3,327 |
| Net operating income to assets | 0.9412% | 2,558 |
| Return on assets (ROA) | 0.9435% | 2,676 |
| Pretax return on assets | 1.2540% | 2,213 |
| Return on Equity (ROE) | 8.9100% | 2,430 |
| Retained earnings to average equity (ytd only) | 4.2687% | 2,914 |
| Net charge-offs to loans | 0.0519% | 1,861 |
| Credit loss provision to net charge-offs | 205.8824% | 2,094 |
| Earnings coverage of net charge-offs (x) | 34.7059% | 1,472 |
| Efficiency ratio | 66.1163% | 2,456 |
| Assets per employee ($millions) | 4.9146% | 3,355 |
| Cash dividends to net income (ytd only)* | 52.0908% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,744 |
| Loan loss allowance to noncurrent loans | 364.2259% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 3,176 |
| Noncurrent loans to loans | 0.2720% | 3,319 |
| Net loans and leases to total assets | 70.8023% | 1,845 |
| Net loans and leases to deposits | 82.0772% | 2,095 |
| Net loans and leases to core deposits | 91.3734% | 1,849 |
| Total domestic deposits to total assets | 86.2631% | 1,953 |
| Equity capital to assets | 10.4333% | 2,845 |
| Core capital (leverage) ratio | 10.2995% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1864% | 1,768 |
| Memoranda: | ||
| Average total assets | $236,571,250 | 2,658 |
| Average earning assets | $214,790,000 | 2,698 |
| Average equity | $25,050,000 | 2,786 |
| Average total loans | $174,849,250 | 2,446 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 2,177 |
| Cost of funding earning assets | 0.9150% | 1,301 |
| Net interest margin | 3.4972% | 2,794 |
| Noninterest income to average assets | 0.7554% | 1,564 |
| Noninterest expense to average assets | 2.6174% | 2,607 |
| Loan and lease loss provision to assets | 0.0685% | 3,434 |
| Net operating income to assets | 0.9474% | 2,500 |
| Return on assets (ROA) | 0.9481% | 2,631 |
| Pretax return on assets | 1.2556% | 2,166 |
| Return on Equity (ROE) | 8.9080% | 2,395 |
| Retained earnings to average equity (ytd only) | 1.8910% | 3,800 |
| Net charge-offs to loans | 0.0332% | 2,068 |
| Credit loss provision to net charge-offs | 275.8621% | 1,680 |
| Earnings coverage of net charge-offs (x) | 53.2759% | 1,059 |
| Efficiency ratio | 66.4203% | 2,456 |
| Assets per employee ($millions) | 4.6789% | 3,557 |
| Cash dividends to net income (ytd only)* | 78.7715% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 3,669 |
| Loan loss allowance to noncurrent loans | 929.7297% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 3,851 |
| Noncurrent loans to loans | 0.1054% | 4,031 |
| Net loans and leases to total assets | 71.4387% | 1,808 |
| Net loans and leases to deposits | 82.7183% | 2,120 |
| Net loans and leases to core deposits | 92.2001% | 1,885 |
| Total domestic deposits to total assets | 86.3638% | 1,861 |
| Equity capital to assets | 10.3337% | 2,899 |
| Core capital (leverage) ratio | 10.1998% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0686% | 1,785 |
| Memoranda: | ||
| Average total assets | $233,517,667 | 2,650 |
| Average earning assets | $212,684,667 | 2,693 |
| Average equity | $24,854,000 | 2,789 |
| Average total loans | $174,557,333 | 2,436 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 1,734 |
| Cost of funding earning assets | 0.9939% | 1,441 |
| Net interest margin | 3.6980% | 2,326 |
| Noninterest income to average assets | 0.7191% | 1,571 |
| Noninterest expense to average assets | 2.7136% | 2,675 |
| Loan and lease loss provision to assets | 0.0525% | 3,120 |
| Net operating income to assets | 1.0253% | 2,096 |
| Return on assets (ROA) | 1.0253% | 2,193 |
| Pretax return on assets | 1.3577% | 1,698 |
| Return on Equity (ROE) | 9.4860% | 1,919 |
| Retained earnings to average equity (ytd only) | 1.3921% | 3,636 |
| Net charge-offs to loans | -0.0046% | 3,842 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8040% | 2,995 |
| Assets per employee ($millions) | 4.4790% | 3,287 |
| Cash dividends to net income (ytd only)* | 85.3242% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,852 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,772 |
| Noncurrent loans to loans | 0.0615% | 4,295 |
| Net loans and leases to total assets | 74.6288% | 1,515 |
| Net loans and leases to deposits | 89.9209% | 1,522 |
| Net loans and leases to core deposits | 101.1458% | 1,389 |
| Total domestic deposits to total assets | 82.9939% | 3,116 |
| Equity capital to assets | 10.7037% | 3,136 |
| Core capital (leverage) ratio | 10.6413% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0754% | 1,879 |
| Memoranda: | ||
| Average total assets | $228,626,000 | 2,645 |
| Average earning assets | $210,492,500 | 2,661 |
| Average equity | $24,710,000 | 2,795 |
| Average total loans | $174,070,500 | 2,428 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 2,412 |
| Cost of funding earning assets | 0.8849% | 2,261 |
| Net interest margin | 3.7845% | 2,551 |
| Noninterest income to average assets | 0.7939% | 1,469 |
| Noninterest expense to average assets | 2.7124% | 2,849 |
| Loan and lease loss provision to assets | 0.0498% | 3,028 |
| Net operating income to assets | 1.1777% | 2,144 |
| Return on assets (ROA) | 1.1777% | 2,241 |
| Pretax return on assets | 1.5748% | 1,567 |
| Return on Equity (ROE) | 11.0015% | 1,888 |
| Retained earnings to average equity (ytd only) | 8.6342% | 801 |
| Net charge-offs to loans | 0.0163% | 3,135 |
| Credit loss provision to net charge-offs | 415.3846% | 692 |
| Earnings coverage of net charge-offs (x) | 135.6154% | 536 |
| Efficiency ratio | 62.5412% | 3,286 |
| Assets per employee ($millions) | 4.1545% | 3,692 |
| Cash dividends to net income (ytd only)* | 21.5180% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,663 |
| Loan loss allowance to noncurrent loans | 1,090.8497% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,130 |
| Noncurrent loans to loans | 0.0886% | 4,169 |
| Net loans and leases to total assets | 76.2020% | 1,374 |
| Net loans and leases to deposits | 91.3567% | 1,449 |
| Net loans and leases to core deposits | 101.0062% | 1,483 |
| Total domestic deposits to total assets | 83.4115% | 3,062 |
| Equity capital to assets | 10.9164% | 3,081 |
| Core capital (leverage) ratio | 10.9681% | 2,526 |
| Tier 1 risk-based capital ratio | 14.3359% | 3,100 |
| Total risk-based capital ratio | 15.3178% | 3,143 |
| Memoranda: | ||
| Average total assets | $217,038,800 | 2,691 |
| Average earning assets | $203,194,800 | 2,678 |
| Average equity | $23,233,200 | 2,849 |
| Average total loans | $159,863,800 | 2,510 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 2,541 |
| Cost of funding earning assets | 0.8576% | 2,424 |
| Net interest margin | 3.7981% | 2,606 |
| Noninterest income to average assets | 0.7496% | 1,596 |
| Noninterest expense to average assets | 2.6918% | 2,891 |
| Loan and lease loss provision to assets | 0.0254% | 3,388 |
| Net operating income to assets | 1.1907% | 2,233 |
| Return on assets (ROA) | 1.1907% | 2,311 |
| Pretax return on assets | 1.5909% | 1,669 |
| Return on Equity (ROE) | 11.1811% | 1,934 |
| Retained earnings to average equity (ytd only) | 7.9815% | 1,401 |
| Net charge-offs to loans | -0.0043% | 4,163 |
| Credit loss provision to net charge-offs | -820.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4820% | 3,249 |
| Assets per employee ($millions) | 4.0332% | 3,855 |
| Cash dividends to net income (ytd only)* | 28.6162% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,579 |
| Loan loss allowance to noncurrent loans | 373.9130% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 2,861 |
| Noncurrent loans to loans | 0.2672% | 3,586 |
| Net loans and leases to total assets | 74.3500% | 1,742 |
| Net loans and leases to deposits | 89.0968% | 1,798 |
| Net loans and leases to core deposits | 97.6358% | 1,850 |
| Total domestic deposits to total assets | 83.4485% | 3,008 |
| Equity capital to assets | 10.9641% | 3,127 |
| Core capital (leverage) ratio | 11.1698% | 2,494 |
| Tier 1 risk-based capital ratio | 14.5082% | 3,072 |
| Total risk-based capital ratio | 15.5077% | 3,098 |
| Memoranda: | ||
| Average total assets | $215,213,000 | 2,722 |
| Average earning assets | $201,638,000 | 2,716 |
| Average equity | $22,919,000 | 2,894 |
| Average total loans | $156,674,250 | 2,579 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 2,677 |
| Cost of funding earning assets | 0.8399% | 2,447 |
| Net interest margin | 3.7603% | 2,715 |
| Noninterest income to average assets | 0.7306% | 1,595 |
| Noninterest expense to average assets | 2.6760% | 2,988 |
| Loan and lease loss provision to assets | 0.0019% | 3,667 |
| Net operating income to assets | 1.1859% | 2,200 |
| Return on assets (ROA) | 1.1859% | 2,264 |
| Pretax return on assets | 1.5824% | 1,598 |
| Return on Equity (ROE) | 11.2483% | 1,891 |
| Retained earnings to average equity (ytd only) | 6.3808% | 2,108 |
| Net charge-offs to loans | -0.0065% | 4,195 |
| Credit loss provision to net charge-offs | -40.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8121% | 3,316 |
| Assets per employee ($millions) | 4.0670% | 3,781 |
| Cash dividends to net income (ytd only)* | 43.2730% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,604 |
| Loan loss allowance to noncurrent loans | 317.5299% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 2,832 |
| Noncurrent loans to loans | 0.3156% | 3,407 |
| Net loans and leases to total assets | 74.4585% | 1,812 |
| Net loans and leases to deposits | 89.1296% | 1,840 |
| Net loans and leases to core deposits | 97.9778% | 1,890 |
| Total domestic deposits to total assets | 83.5396% | 3,033 |
| Equity capital to assets | 10.9517% | 3,118 |
| Core capital (leverage) ratio | 10.8718% | 2,720 |
| Tier 1 risk-based capital ratio | 14.4260% | 3,100 |
| Total risk-based capital ratio | 15.4222% | 3,146 |
| Memoranda: | ||
| Average total assets | $214,353,000 | 2,742 |
| Average earning assets | $201,207,670 | 2,722 |
| Average equity | $22,599,000 | 2,917 |
| Average total loans | $154,378,000 | 2,615 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5034% | 2,850 |
| Cost of funding earning assets | 0.8402% | 2,328 |
| Net interest margin | 3.6632% | 3,034 |
| Noninterest income to average assets | 0.7025% | 1,605 |
| Noninterest expense to average assets | 2.6044% | 3,205 |
| Loan and lease loss provision to assets | 0.0037% | 3,372 |
| Net operating income to assets | 1.1474% | 2,284 |
| Return on assets (ROA) | 1.1474% | 2,331 |
| Pretax return on assets | 1.5293% | 1,681 |
| Return on Equity (ROE) | 11.0942% | 1,911 |
| Retained earnings to average equity (ytd only) | 8.4058% | 1,518 |
| Net charge-offs to loans | 0.0053% | 2,518 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 413.5000% | 186 |
| Efficiency ratio | 62.9480% | 3,389 |
| Assets per employee ($millions) | 4.2770% | 3,517 |
| Cash dividends to net income (ytd only)* | 24.2326% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,470 |
| Loan loss allowance to noncurrent loans | 289.7810% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 3,188 |
| Noncurrent loans to loans | 0.3587% | 3,293 |
| Net loans and leases to total assets | 69.3080% | 2,579 |
| Net loans and leases to deposits | 83.8169% | 2,407 |
| Net loans and leases to core deposits | 90.8762% | 2,412 |
| Total domestic deposits to total assets | 82.6897% | 3,509 |
| Equity capital to assets | 10.3963% | 3,420 |
| Core capital (leverage) ratio | 10.7041% | 2,843 |
| Tier 1 risk-based capital ratio | 14.7835% | 2,972 |
| Total risk-based capital ratio | 15.8117% | 2,999 |
| Memoranda: | ||
| Average total assets | $215,788,000 | 2,755 |
| Average earning assets | $202,338,000 | 2,741 |
| Average equity | $22,318,000 | 2,944 |
| Average total loans | $152,036,500 | 2,665 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 3,141 |
| Cost of funding earning assets | 0.6351% | 2,491 |
| Net interest margin | 3.6582% | 3,198 |
| Noninterest income to average assets | 0.8445% | 1,324 |
| Noninterest expense to average assets | 2.7680% | 2,793 |
| Loan and lease loss provision to assets | 0.0817% | 2,496 |
| Net operating income to assets | 1.0690% | 2,721 |
| Return on assets (ROA) | 1.0690% | 2,704 |
| Pretax return on assets | 1.4222% | 2,067 |
| Return on Equity (ROE) | 10.6307% | 2,232 |
| Retained earnings to average equity (ytd only) | 8.7187% | 969 |
| Net charge-offs to loans | 0.0364% | 2,674 |
| Credit loss provision to net charge-offs | 326.9231% | 958 |
| Earnings coverage of net charge-offs (x) | 60.1731% | 1,020 |
| Efficiency ratio | 64.7952% | 3,067 |
| Assets per employee ($millions) | 4.1853% | 3,633 |
| Cash dividends to net income (ytd only)* | 17.9856% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,388 |
| Loan loss allowance to noncurrent loans | 231.3411% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 3,139 |
| Noncurrent loans to loans | 0.4534% | 2,911 |
| Net loans and leases to total assets | 70.1426% | 2,545 |
| Net loans and leases to deposits | 84.2539% | 2,490 |
| Net loans and leases to core deposits | 91.4566% | 2,456 |
| Total domestic deposits to total assets | 83.2514% | 3,246 |
| Equity capital to assets | 10.2876% | 3,386 |
| Core capital (leverage) ratio | 10.6514% | 2,889 |
| Tier 1 risk-based capital ratio | 14.8470% | 2,908 |
| Total risk-based capital ratio | 15.8974% | 2,916 |
| Memoranda: | ||
| Average total assets | $208,053,800 | 2,786 |
| Average earning assets | $194,931,000 | 2,763 |
| Average equity | $20,920,600 | 3,004 |
| Average total loans | $142,896,400 | 2,731 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 3,263 |
| Cost of funding earning assets | 0.5868% | 2,571 |
| Net interest margin | 3.6291% | 3,271 |
| Noninterest income to average assets | 0.8211% | 1,409 |
| Noninterest expense to average assets | 2.7543% | 2,798 |
| Loan and lease loss provision to assets | 0.0593% | 2,793 |
| Net operating income to assets | 1.0611% | 2,817 |
| Return on assets (ROA) | 1.0611% | 2,830 |
| Pretax return on assets | 1.4062% | 2,205 |
| Return on Equity (ROE) | 10.6156% | 2,342 |
| Retained earnings to average equity (ytd only) | 8.0343% | 1,636 |
| Net charge-offs to loans | 0.0502% | 2,112 |
| Credit loss provision to net charge-offs | 173.5849% | 1,541 |
| Earnings coverage of net charge-offs (x) | 42.8709% | 1,296 |
| Efficiency ratio | 65.2706% | 2,994 |
| Assets per employee ($millions) | 4.0304% | 3,836 |
| Cash dividends to net income (ytd only)* | 24.3161% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,637 |
| Loan loss allowance to noncurrent loans | 215.7368% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 2,972 |
| Noncurrent loans to loans | 0.4734% | 2,966 |
| Net loans and leases to total assets | 71.1075% | 2,478 |
| Net loans and leases to deposits | 82.8215% | 2,731 |
| Net loans and leases to core deposits | 90.5402% | 2,613 |
| Total domestic deposits to total assets | 85.8563% | 2,256 |
| Equity capital to assets | 10.2750% | 3,364 |
| Core capital (leverage) ratio | 10.6687% | 2,916 |
| Tier 1 risk-based capital ratio | 14.8426% | 2,951 |
| Total risk-based capital ratio | 15.8675% | 2,986 |
| Memoranda: | ||
| Average total assets | $206,704,500 | 2,824 |
| Average earning assets | $193,578,750 | 2,800 |
| Average equity | $20,661,000 | 3,051 |
| Average total loans | $140,793,750 | 2,774 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 3,380 |
| Cost of funding earning assets | 0.5539% | 2,579 |
| Net interest margin | 3.5665% | 3,421 |
| Noninterest income to average assets | 0.8083% | 1,447 |
| Noninterest expense to average assets | 2.7360% | 2,888 |
| Loan and lease loss provision to assets | 0.0589% | 2,725 |
| Net operating income to assets | 1.0160% | 2,947 |
| Return on assets (ROA) | 1.0160% | 2,956 |
| Pretax return on assets | 1.3463% | 2,336 |
| Return on Equity (ROE) | 10.2594% | 2,445 |
| Retained earnings to average equity (ytd only) | 6.3585% | 2,383 |
| Net charge-offs to loans | 0.0809% | 1,519 |
| Credit loss provision to net charge-offs | 108.9286% | 1,908 |
| Earnings coverage of net charge-offs (x) | 25.9821% | 1,617 |
| Efficiency ratio | 66.0681% | 2,965 |
| Assets per employee ($millions) | 3.9742% | 3,942 |
| Cash dividends to net income (ytd only)* | 38.0228% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,632 |
| Loan loss allowance to noncurrent loans | 253.7005% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 3,140 |
| Noncurrent loans to loans | 0.4073% | 3,237 |
| Net loans and leases to total assets | 68.3198% | 2,823 |
| Net loans and leases to deposits | 78.2557% | 3,132 |
| Net loans and leases to core deposits | 85.3451% | 2,979 |
| Total domestic deposits to total assets | 87.3032% | 1,725 |
| Equity capital to assets | 9.9913% | 3,629 |
| Core capital (leverage) ratio | 10.2643% | 3,274 |
| Tier 1 risk-based capital ratio | 14.9257% | 2,909 |
| Total risk-based capital ratio | 15.9624% | 2,941 |
| Memoranda: | ||
| Average total assets | $207,090,000 | 2,840 |
| Average earning assets | $193,522,000 | 2,816 |
| Average equity | $20,508,000 | 3,076 |
| Average total loans | $138,502,330 | 2,812 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,535 |
| Cost of funding earning assets | 0.5283% | 2,553 |
| Net interest margin | 3.4932% | 3,559 |
| Noninterest income to average assets | 0.7950% | 1,474 |
| Noninterest expense to average assets | 2.6859% | 3,080 |
| Loan and lease loss provision to assets | 0.0598% | 2,572 |
| Net operating income to assets | 0.9821% | 2,929 |
| Return on assets (ROA) | 0.9821% | 2,959 |
| Pretax return on assets | 1.3024% | 2,360 |
| Return on Equity (ROE) | 9.9618% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.9618% | 1,170 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3489% | 3,100 |
| Assets per employee ($millions) | 4.0606% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,426 |
| Loan loss allowance to noncurrent loans | 288.4615% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 3,617 |
| Noncurrent loans to loans | 0.3790% | 3,426 |
| Net loans and leases to total assets | 64.2600% | 3,276 |
| Net loans and leases to deposits | 73.3368% | 3,477 |
| Net loans and leases to core deposits | 79.2402% | 3,387 |
| Total domestic deposits to total assets | 87.6232% | 1,839 |
| Equity capital to assets | 9.7451% | 3,842 |
| Core capital (leverage) ratio | 10.1688% | 3,339 |
| Tier 1 risk-based capital ratio | 15.2922% | 2,737 |
| Total risk-based capital ratio | 16.3783% | 2,751 |
| Memoranda: | ||
| Average total assets | $207,305,500 | 2,870 |
| Average earning assets | $193,058,500 | 2,852 |
| Average equity | $20,438,000 | 3,115 |
| Average total loans | $136,422,000 | 2,858 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,383 |
| Cost of funding earning assets | 0.4244% | 3,006 |
| Net interest margin | 3.5822% | 3,233 |
| Noninterest income to average assets | 0.8739% | 1,348 |
| Noninterest expense to average assets | 2.8365% | 2,661 |
| Loan and lease loss provision to assets | 0.0274% | 3,737 |
| Net operating income to assets | 0.7636% | 3,328 |
| Return on assets (ROA) | 0.7636% | 3,364 |
| Pretax return on assets | 1.3037% | 2,330 |
| Return on Equity (ROE) | 7.5927% | 2,998 |
| Retained earnings to average equity (ytd only) | 5.6478% | 1,739 |
| Net charge-offs to loans | 0.0163% | 3,548 |
| Credit loss provision to net charge-offs | 245.4545% | 1,124 |
| Earnings coverage of net charge-offs (x) | 119.0909% | 567 |
| Efficiency ratio | 68.0605% | 2,885 |
| Assets per employee ($millions) | 3.8388% | 4,227 |
| Cash dividends to net income (ytd only)* | 25.6154% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,434 |
| Loan loss allowance to noncurrent loans | 266.1232% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 3,534 |
| Noncurrent loans to loans | 0.4069% | 3,307 |
| Net loans and leases to total assets | 65.9537% | 3,105 |
| Net loans and leases to deposits | 75.3201% | 3,408 |
| Net loans and leases to core deposits | 81.3349% | 3,307 |
| Total domestic deposits to total assets | 87.5645% | 1,726 |
| Equity capital to assets | 9.9770% | 3,737 |
| Core capital (leverage) ratio | 10.0128% | 3,443 |
| Tier 1 risk-based capital ratio | 15.2778% | 2,713 |
| Total risk-based capital ratio | 16.3695% | 2,722 |
| Memoranda: | ||
| Average total assets | $196,829,600 | 2,951 |
| Average earning assets | $180,978,400 | 2,954 |
| Average equity | $19,795,200 | 3,168 |
| Average total loans | $135,233,600 | 2,847 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 3,432 |
| Cost of funding earning assets | 0.3985% | 3,210 |
| Net interest margin | 3.5789% | 3,229 |
| Noninterest income to average assets | 0.8888% | 1,306 |
| Noninterest expense to average assets | 2.8384% | 2,602 |
| Loan and lease loss provision to assets | 0.0362% | 3,388 |
| Net operating income to assets | 0.8375% | 3,338 |
| Return on assets (ROA) | 0.8375% | 3,384 |
| Pretax return on assets | 1.2966% | 2,513 |
| Return on Equity (ROE) | 8.3106% | 2,973 |
| Retained earnings to average equity (ytd only) | 5.7008% | 2,429 |
| Net charge-offs to loans | 0.0069% | 3,485 |
| Credit loss provision to net charge-offs | 757.1429% | 454 |
| Earnings coverage of net charge-offs (x) | 278.8071% | 327 |
| Efficiency ratio | 68.0478% | 2,864 |
| Assets per employee ($millions) | 3.7674% | 4,344 |
| Cash dividends to net income (ytd only)* | 31.4028% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 3,732 |
| Loan loss allowance to noncurrent loans | 226.4122% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,585 |
| Noncurrent loans to loans | 0.4683% | 3,293 |
| Net loans and leases to total assets | 69.3032% | 2,664 |
| Net loans and leases to deposits | 78.8893% | 3,080 |
| Net loans and leases to core deposits | 86.1504% | 2,951 |
| Total domestic deposits to total assets | 87.8486% | 1,446 |
| Equity capital to assets | 10.1411% | 3,756 |
| Core capital (leverage) ratio | 10.3518% | 3,138 |
| Tier 1 risk-based capital ratio | 14.5135% | 3,174 |
| Total risk-based capital ratio | 15.5848% | 3,182 |
| Memoranda: | ||
| Average total assets | $195,172,500 | 2,996 |
| Average earning assets | $179,008,250 | 2,998 |
| Average equity | $19,669,250 | 3,200 |
| Average total loans | $135,127,750 | 2,864 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,368 |
| Cost of funding earning assets | 0.3946% | 3,128 |
| Net interest margin | 3.5584% | 3,189 |
| Noninterest income to average assets | 0.9067% | 1,253 |
| Noninterest expense to average assets | 2.8584% | 2,550 |
| Loan and lease loss provision to assets | 0.0516% | 2,953 |
| Net operating income to assets | 0.8055% | 3,373 |
| Return on assets (ROA) | 0.8055% | 3,430 |
| Pretax return on assets | 1.2464% | 2,604 |
| Return on Equity (ROE) | 8.0099% | 3,030 |
| Retained earnings to average equity (ytd only) | 4.0563% | 3,293 |
| Net charge-offs to loans | 0.0075% | 3,186 |
| Credit loss provision to net charge-offs | 1,000.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 251.4000% | 337 |
| Efficiency ratio | 68.7702% | 2,877 |
| Assets per employee ($millions) | 3.6630% | 4,492 |
| Cash dividends to net income (ytd only)* | 49.3590% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,524 |
| Loan loss allowance to noncurrent loans | 471.9745% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 4,294 |
| Noncurrent loans to loans | 0.2353% | 4,188 |
| Net loans and leases to total assets | 67.9635% | 2,825 |
| Net loans and leases to deposits | 77.2896% | 3,188 |
| Net loans and leases to core deposits | 81.9575% | 3,254 |
| Total domestic deposits to total assets | 87.9335% | 1,488 |
| Equity capital to assets | 10.1874% | 3,681 |
| Core capital (leverage) ratio | 10.2159% | 3,250 |
| Tier 1 risk-based capital ratio | 14.7520% | 3,035 |
| Total risk-based capital ratio | 15.8535% | 3,030 |
| Memoranda: | ||
| Average total assets | $193,672,670 | 3,026 |
| Average earning assets | $176,877,000 | 3,028 |
| Average equity | $19,476,000 | 3,220 |
| Average total loans | $133,549,670 | 2,890 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 3,268 |
| Cost of funding earning assets | 0.3940% | 3,051 |
| Net interest margin | 3.5389% | 3,124 |
| Noninterest income to average assets | 0.9574% | 1,086 |
| Noninterest expense to average assets | 2.8578% | 2,589 |
| Loan and lease loss provision to assets | 0.0620% | 2,569 |
| Net operating income to assets | 0.8085% | 3,184 |
| Return on assets (ROA) | 0.8085% | 3,243 |
| Pretax return on assets | 1.2697% | 2,350 |
| Return on Equity (ROE) | 8.0931% | 2,876 |
| Retained earnings to average equity (ytd only) | 1.5731% | 4,474 |
| Net charge-offs to loans | 0.0180% | 2,429 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 505 |
| Efficiency ratio | 68.2132% | 3,160 |
| Assets per employee ($millions) | 3.7126% | 4,487 |
| Cash dividends to net income (ytd only)* | 80.5627% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,715 |
| Loan loss allowance to noncurrent loans | 276.7045% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 3,026 |
| Noncurrent loans to loans | 0.3977% | 3,669 |
| Net loans and leases to total assets | 66.7222% | 2,857 |
| Net loans and leases to deposits | 77.8838% | 2,985 |
| Net loans and leases to core deposits | 82.2035% | 3,076 |
| Total domestic deposits to total assets | 85.6689% | 2,806 |
| Equity capital to assets | 9.8614% | 3,917 |
| Core capital (leverage) ratio | 10.1379% | 3,331 |
| Tier 1 risk-based capital ratio | 14.2029% | 3,362 |
| Total risk-based capital ratio | 15.2662% | 3,383 |
| Memoranda: | ||
| Average total assets | $193,438,500 | 3,053 |
| Average earning assets | $176,663,500 | 3,062 |
| Average equity | $19,325,000 | 3,252 |
| Average total loans | $133,611,000 | 2,904 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 3,903 |
| Cost of funding earning assets | 0.4337% | 2,666 |
| Net interest margin | 3.3696% | 3,924 |
| Noninterest income to average assets | 1.0699% | 987 |
| Noninterest expense to average assets | 2.8632% | 2,797 |
| Loan and lease loss provision to assets | 0.0392% | 3,593 |
| Net operating income to assets | 0.8633% | 3,009 |
| Return on assets (ROA) | 0.8633% | 3,120 |
| Pretax return on assets | 1.2469% | 2,486 |
| Return on Equity (ROE) | 8.6716% | 2,581 |
| Retained earnings to average equity (ytd only) | 6.5423% | 1,438 |
| Net charge-offs to loans | -0.0483% | 5,390 |
| Credit loss provision to net charge-offs | -117.4603% | 4,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0038% | 3,073 |
| Assets per employee ($millions) | 3.5870% | 4,631 |
| Cash dividends to net income (ytd only)* | 24.5549% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,901 |
| Loan loss allowance to noncurrent loans | 143.1275% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8216% | 2,293 |
| Noncurrent loans to loans | 0.7466% | 2,663 |
| Net loans and leases to total assets | 69.9788% | 2,473 |
| Net loans and leases to deposits | 81.9132% | 2,681 |
| Net loans and leases to core deposits | 86.7605% | 2,786 |
| Total domestic deposits to total assets | 85.4305% | 2,866 |
| Equity capital to assets | 10.1237% | 3,578 |
| Core capital (leverage) ratio | 10.3026% | 3,103 |
| Tier 1 risk-based capital ratio | 14.1835% | 3,356 |
| Total risk-based capital ratio | 15.2343% | 3,383 |
| Memoranda: | ||
| Average total assets | $188,702,400 | 3,073 |
| Average earning assets | $172,455,400 | 3,085 |
| Average equity | $18,785,400 | 3,300 |
| Average total loans | $130,364,400 | 2,915 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 3,897 |
| Cost of funding earning assets | 0.4417% | 2,622 |
| Net interest margin | 3.3667% | 3,966 |
| Noninterest income to average assets | 0.9266% | 1,325 |
| Noninterest expense to average assets | 2.8436% | 2,852 |
| Loan and lease loss provision to assets | 0.0524% | 3,209 |
| Net operating income to assets | 0.7171% | 3,755 |
| Return on assets (ROA) | 0.7171% | 3,898 |
| Pretax return on assets | 1.1064% | 3,207 |
| Return on Equity (ROE) | 7.2341% | 3,434 |
| Retained earnings to average equity (ytd only) | 4.3776% | 3,220 |
| Net charge-offs to loans | -0.1175% | 5,630 |
| Credit loss provision to net charge-offs | -64.9123% | 4,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0470% | 2,733 |
| Assets per employee ($millions) | 3.4398% | 4,854 |
| Cash dividends to net income (ytd only)* | 39.4868% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,709 |
| Loan loss allowance to noncurrent loans | 543.0657% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,715 |
| Noncurrent loans to loans | 0.2070% | 4,528 |
| Net loans and leases to total assets | 70.4757% | 2,422 |
| Net loans and leases to deposits | 81.1631% | 2,832 |
| Net loans and leases to core deposits | 86.6699% | 2,890 |
| Total domestic deposits to total assets | 86.8322% | 1,975 |
| Equity capital to assets | 10.2299% | 3,881 |
| Core capital (leverage) ratio | 9.9828% | 3,598 |
| Tier 1 risk-based capital ratio | 14.1189% | 3,493 |
| Total risk-based capital ratio | 15.2327% | 3,489 |
| Memoranda: | ||
| Average total assets | $188,350,750 | 3,087 |
| Average earning assets | $172,075,250 | 3,100 |
| Average equity | $18,670,250 | 3,348 |
| Average total loans | $129,337,250 | 2,937 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 4,084 |
| Cost of funding earning assets | 0.4471% | 2,594 |
| Net interest margin | 3.3150% | 4,176 |
| Noninterest income to average assets | 0.9090% | 1,353 |
| Noninterest expense to average assets | 2.7915% | 3,056 |
| Loan and lease loss provision to assets | 0.0676% | 2,788 |
| Net operating income to assets | 0.7029% | 3,772 |
| Return on assets (ROA) | 0.7029% | 3,923 |
| Pretax return on assets | 1.0750% | 3,306 |
| Return on Equity (ROE) | 7.1661% | 3,452 |
| Retained earnings to average equity (ytd only) | 2.8557% | 4,084 |
| Net charge-offs to loans | 0.0327% | 2,797 |
| Credit loss provision to net charge-offs | 304.7619% | 945 |
| Earnings coverage of net charge-offs (x) | 51.4762% | 976 |
| Efficiency ratio | 70.9565% | 2,832 |
| Assets per employee ($millions) | 3.5546% | 4,672 |
| Cash dividends to net income (ytd only)* | 60.1504% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 4,330 |
| Loan loss allowance to noncurrent loans | 262.8180% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 3,168 |
| Noncurrent loans to loans | 0.3933% | 3,953 |
| Net loans and leases to total assets | 66.9834% | 2,944 |
| Net loans and leases to deposits | 77.9394% | 3,163 |
| Net loans and leases to core deposits | 82.9176% | 3,180 |
| Total domestic deposits to total assets | 85.9429% | 2,451 |
| Equity capital to assets | 9.7835% | 4,471 |
| Core capital (leverage) ratio | 9.7731% | 3,841 |
| Tier 1 risk-based capital ratio | 14.1303% | 3,531 |
| Total risk-based capital ratio | 15.1562% | 3,577 |
| Memoranda: | ||
| Average total assets | $189,218,000 | 3,094 |
| Average earning assets | $172,671,000 | 3,112 |
| Average equity | $18,559,670 | 3,367 |
| Average total loans | $128,317,670 | 2,963 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 4,007 |
| Cost of funding earning assets | 0.4564% | 2,512 |
| Net interest margin | 3.3254% | 4,125 |
| Noninterest income to average assets | 0.8560% | 1,428 |
| Noninterest expense to average assets | 2.7596% | 3,212 |
| Loan and lease loss provision to assets | 0.0639% | 2,677 |
| Net operating income to assets | 0.6984% | 3,725 |
| Return on assets (ROA) | 0.6984% | 3,837 |
| Pretax return on assets | 1.0732% | 3,193 |
| Return on Equity (ROE) | 7.1111% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.1111% | 1,838 |
| Net charge-offs to loans | -0.0125% | 4,628 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8197% | 2,984 |
| Assets per employee ($millions) | 3.8487% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 4,369 |
| Loan loss allowance to noncurrent loans | 221.5947% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 2,779 |
| Noncurrent loans to loans | 0.4708% | 3,767 |
| Net loans and leases to total assets | 67.0949% | 2,798 |
| Net loans and leases to deposits | 77.8753% | 3,017 |
| Net loans and leases to core deposits | 83.4054% | 2,993 |
| Total domestic deposits to total assets | 86.1569% | 2,606 |
| Equity capital to assets | 9.9303% | 4,174 |
| Core capital (leverage) ratio | 9.7663% | 3,823 |
| Tier 1 risk-based capital ratio | 14.4652% | 3,410 |
| Total risk-based capital ratio | 15.5040% | 3,461 |
| Memoranda: | ||
| Average total assets | $187,854,000 | 3,116 |
| Average earning assets | $171,770,000 | 3,134 |
| Average equity | $18,450,000 | 3,372 |
| Average total loans | $127,519,000 | 2,974 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 4,201 |
| Cost of funding earning assets | 0.4744% | 2,404 |
| Net interest margin | 3.2732% | 4,402 |
| Noninterest income to average assets | 0.8740% | 1,516 |
| Noninterest expense to average assets | 2.7587% | 3,386 |
| Loan and lease loss provision to assets | 0.2071% | 1,023 |
| Net operating income to assets | 0.5719% | 4,414 |
| Return on assets (ROA) | 0.5719% | 4,500 |
| Pretax return on assets | 0.8872% | 3,897 |
| Return on Equity (ROE) | 5.8079% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.2973% | 3,701 |
| Net charge-offs to loans | 0.1382% | 1,967 |
| Credit loss provision to net charge-offs | 216.6667% | 1,309 |
| Earnings coverage of net charge-offs (x) | 11.4483% | 2,577 |
| Efficiency ratio | 71.5997% | 2,967 |
| Assets per employee ($millions) | 3.6691% | 4,533 |
| Cash dividends to net income (ytd only)* | 43.2277% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,478 |
| Loan loss allowance to noncurrent loans | 99.3884% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 2,052 |
| Noncurrent loans to loans | 1.0285% | 2,277 |
| Net loans and leases to total assets | 67.2675% | 2,824 |
| Net loans and leases to deposits | 77.3570% | 3,122 |
| Net loans and leases to core deposits | 82.5565% | 3,092 |
| Total domestic deposits to total assets | 86.9572% | 2,160 |
| Equity capital to assets | 9.7118% | 4,285 |
| Core capital (leverage) ratio | 9.6251% | 4,011 |
| Tier 1 risk-based capital ratio | 14.4177% | 3,482 |
| Total risk-based capital ratio | 15.4456% | 3,524 |
| Memoranda: | ||
| Average total assets | $182,039,800 | 3,135 |
| Average earning assets | $165,680,200 | 3,180 |
| Average equity | $17,924,000 | 3,393 |
| Average total loans | $125,949,800 | 2,956 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,211 |
| Cost of funding earning assets | 0.4720% | 2,477 |
| Net interest margin | 3.2902% | 4,399 |
| Noninterest income to average assets | 0.9013% | 1,444 |
| Noninterest expense to average assets | 2.7674% | 3,314 |
| Loan and lease loss provision to assets | 0.2102% | 930 |
| Net operating income to assets | 0.5864% | 4,448 |
| Return on assets (ROA) | 0.5864% | 4,543 |
| Pretax return on assets | 0.9161% | 3,929 |
| Return on Equity (ROE) | 5.9343% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.9485% | 4,352 |
| Net charge-offs to loans | 0.3470% | 759 |
| Credit loss provision to net charge-offs | 87.1560% | 2,508 |
| Earnings coverage of net charge-offs (x) | 4.6697% | 3,317 |
| Efficiency ratio | 71.0741% | 3,030 |
| Assets per employee ($millions) | 3.6731% | 4,485 |
| Cash dividends to net income (ytd only)* | 50.3146% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 5,336 |
| Loan loss allowance to noncurrent loans | 148.1742% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 2,992 |
| Noncurrent loans to loans | 0.5790% | 3,596 |
| Net loans and leases to total assets | 66.3815% | 2,951 |
| Net loans and leases to deposits | 76.2690% | 3,268 |
| Net loans and leases to core deposits | 81.9859% | 3,251 |
| Total domestic deposits to total assets | 87.0360% | 2,024 |
| Equity capital to assets | 9.8750% | 4,310 |
| Core capital (leverage) ratio | 9.9198% | 3,744 |
| Tier 1 risk-based capital ratio | 14.6908% | 3,444 |
| Total risk-based capital ratio | 15.5511% | 3,597 |
| Memoranda: | ||
| Average total assets | $180,769,000 | 3,181 |
| Average earning assets | $164,404,250 | 3,225 |
| Average equity | $17,861,750 | 3,427 |
| Average total loans | $125,644,000 | 2,981 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 4,116 |
| Cost of funding earning assets | 0.4726% | 2,491 |
| Net interest margin | 3.3121% | 4,259 |
| Noninterest income to average assets | 0.9321% | 1,351 |
| Noninterest expense to average assets | 2.7796% | 3,317 |
| Loan and lease loss provision to assets | 0.2158% | 885 |
| Net operating income to assets | 0.5951% | 4,372 |
| Return on assets (ROA) | 0.5951% | 4,461 |
| Pretax return on assets | 0.9455% | 3,787 |
| Return on Equity (ROE) | 6.0213% | 4,118 |
| Retained earnings to average equity (ytd only) | 1.5194% | 4,940 |
| Net charge-offs to loans | 0.1596% | 1,519 |
| Credit loss provision to net charge-offs | 192.0792% | 1,278 |
| Earnings coverage of net charge-offs (x) | 10.3366% | 2,368 |
| Efficiency ratio | 70.5334% | 3,255 |
| Assets per employee ($millions) | 3.6751% | 4,481 |
| Cash dividends to net income (ytd only)* | 74.7664% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 4,990 |
| Loan loss allowance to noncurrent loans | 194.1272% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 3,300 |
| Noncurrent loans to loans | 0.5013% | 3,956 |
| Net loans and leases to total assets | 67.2446% | 2,759 |
| Net loans and leases to deposits | 77.1373% | 3,141 |
| Net loans and leases to core deposits | 82.5178% | 3,122 |
| Total domestic deposits to total assets | 87.1751% | 2,069 |
| Equity capital to assets | 9.8545% | 4,210 |
| Core capital (leverage) ratio | 9.7002% | 3,999 |
| Tier 1 risk-based capital ratio | 14.5640% | 3,600 |
| Total risk-based capital ratio | 15.5398% | 3,691 |
| Memoranda: | ||
| Average total assets | $179,807,000 | 3,218 |
| Average earning assets | $163,340,000 | 3,256 |
| Average equity | $17,770,330 | 3,457 |
| Average total loans | $126,536,000 | 2,973 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,138 |
| Cost of funding earning assets | 0.4710% | 2,559 |
| Net interest margin | 3.2968% | 4,232 |
| Noninterest income to average assets | 0.9328% | 1,291 |
| Noninterest expense to average assets | 2.7851% | 3,301 |
| Loan and lease loss provision to assets | 0.2160% | 824 |
| Net operating income to assets | 0.5744% | 4,390 |
| Return on assets (ROA) | 0.5744% | 4,491 |
| Pretax return on assets | 0.9239% | 3,801 |
| Return on Equity (ROE) | 5.8035% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.8035% | 2,603 |
| Net charge-offs to loans | 0.3078% | 771 |
| Credit loss provision to net charge-offs | 97.9798% | 1,685 |
| Earnings coverage of net charge-offs (x) | 5.1717% | 2,410 |
| Efficiency ratio | 70.9586% | 3,325 |
| Assets per employee ($millions) | 3.6778% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 5,563 |
| Loan loss allowance to noncurrent loans | 139.4904% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 3,066 |
| Noncurrent loans to loans | 0.6114% | 3,738 |
| Net loans and leases to total assets | 69.2258% | 2,248 |
| Net loans and leases to deposits | 81.2826% | 2,413 |
| Net loans and leases to core deposits | 87.2821% | 2,407 |
| Total domestic deposits to total assets | 85.1668% | 3,323 |
| Equity capital to assets | 9.7715% | 4,412 |
| Core capital (leverage) ratio | 9.8715% | 3,789 |
| Tier 1 risk-based capital ratio | 14.0102% | 4,006 |
| Total risk-based capital ratio | 14.8682% | 4,178 |
| Memoranda: | ||
| Average total assets | $179,670,500 | 3,236 |
| Average earning assets | $163,066,500 | 3,279 |
| Average equity | $17,782,500 | 3,482 |
| Average total loans | $128,662,000 | 2,931 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 3,590 |
| Cost of funding earning assets | 0.5134% | 2,541 |
| Net interest margin | 3.5184% | 3,725 |
| Noninterest income to average assets | 1.1744% | 875 |
| Noninterest expense to average assets | 2.8833% | 3,198 |
| Loan and lease loss provision to assets | 0.2158% | 1,154 |
| Net operating income to assets | 0.8480% | 3,125 |
| Return on assets (ROA) | 0.8480% | 3,223 |
| Pretax return on assets | 1.2779% | 2,314 |
| Return on Equity (ROE) | 8.5549% | 2,811 |
| Retained earnings to average equity (ytd only) | 5.7229% | 2,122 |
| Net charge-offs to loans | 0.3699% | 1,173 |
| Credit loss provision to net charge-offs | 77.1967% | 2,921 |
| Earnings coverage of net charge-offs (x) | 5.3431% | 3,445 |
| Efficiency ratio | 65.8739% | 4,271 |
| Assets per employee ($millions) | 3.5090% | 4,883 |
| Cash dividends to net income (ytd only)* | 33.1034% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 5,633 |
| Loan loss allowance to noncurrent loans | 317.0520% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 3,634 |
| Noncurrent loans to loans | 0.2684% | 4,886 |
| Net loans and leases to total assets | 72.8595% | 1,784 |
| Net loans and leases to deposits | 85.6089% | 2,029 |
| Net loans and leases to core deposits | 91.7476% | 2,120 |
| Total domestic deposits to total assets | 85.1074% | 3,245 |
| Equity capital to assets | 10.0291% | 4,072 |
| Core capital (leverage) ratio | 9.9788% | 3,597 |
| Tier 1 risk-based capital ratio | 14.4111% | 3,822 |
| Total risk-based capital ratio | 15.3081% | 3,974 |
| Memoranda: | ||
| Average total assets | $170,984,800 | 3,326 |
| Average earning assets | $155,638,600 | 3,351 |
| Average equity | $16,949,400 | 3,533 |
| Average total loans | $129,234,800 | 2,886 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,688 |
| Cost of funding earning assets | 0.5256% | 2,508 |
| Net interest margin | 3.4942% | 3,858 |
| Noninterest income to average assets | 1.1907% | 847 |
| Noninterest expense to average assets | 2.8759% | 3,211 |
| Loan and lease loss provision to assets | 0.2190% | 1,048 |
| Net operating income to assets | 0.8469% | 3,194 |
| Return on assets (ROA) | 0.8469% | 3,286 |
| Pretax return on assets | 1.2841% | 2,440 |
| Return on Equity (ROE) | 8.5695% | 2,917 |
| Retained earnings to average equity (ytd only) | 4.7573% | 3,236 |
| Net charge-offs to loans | 0.2763% | 1,421 |
| Credit loss provision to net charge-offs | 104.1045% | 2,130 |
| Earnings coverage of net charge-offs (x) | 7.1456% | 2,971 |
| Efficiency ratio | 65.6749% | 4,261 |
| Assets per employee ($millions) | 3.6362% | 4,603 |
| Cash dividends to net income (ytd only)* | 44.4854% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 5,582 |
| Loan loss allowance to noncurrent loans | 207.6792% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 3,619 |
| Noncurrent loans to loans | 0.4365% | 4,591 |
| Net loans and leases to total assets | 76.2154% | 1,192 |
| Net loans and leases to deposits | 90.5153% | 1,375 |
| Net loans and leases to core deposits | 97.5328% | 1,550 |
| Total domestic deposits to total assets | 84.2016% | 3,685 |
| Equity capital to assets | 9.8357% | 4,384 |
| Core capital (leverage) ratio | 10.0076% | 3,673 |
| Tier 1 risk-based capital ratio | 13.7382% | 4,394 |
| Total risk-based capital ratio | 14.7078% | 4,514 |
| Memoranda: | ||
| Average total assets | $169,868,500 | 3,368 |
| Average earning assets | $154,995,750 | 3,383 |
| Average equity | $16,787,750 | 3,575 |
| Average total loans | $129,311,250 | 2,886 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,803 |
| Cost of funding earning assets | 0.5418% | 2,422 |
| Net interest margin | 3.4399% | 4,014 |
| Noninterest income to average assets | 1.1847% | 833 |
| Noninterest expense to average assets | 2.9136% | 3,116 |
| Loan and lease loss provision to assets | 0.2175% | 1,076 |
| Net operating income to assets | 0.7783% | 3,436 |
| Return on assets (ROA) | 0.7783% | 3,536 |
| Pretax return on assets | 1.1918% | 2,692 |
| Return on Equity (ROE) | 7.8625% | 3,180 |
| Retained earnings to average equity (ytd only) | 2.1007% | 4,847 |
| Net charge-offs to loans | 0.3885% | 1,040 |
| Credit loss provision to net charge-offs | 73.7903% | 2,408 |
| Earnings coverage of net charge-offs (x) | 4.7823% | 3,046 |
| Efficiency ratio | 67.3997% | 4,134 |
| Assets per employee ($millions) | 3.6127% | 4,629 |
| Cash dividends to net income (ytd only)* | 73.2824% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 5,858 |
| Loan loss allowance to noncurrent loans | 641.0112% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 4,090 |
| Noncurrent loans to loans | 0.1336% | 5,606 |
| Net loans and leases to total assets | 76.1549% | 1,140 |
| Net loans and leases to deposits | 91.9203% | 1,159 |
| Net loans and leases to core deposits | 98.9480% | 1,375 |
| Total domestic deposits to total assets | 82.8488% | 4,361 |
| Equity capital to assets | 9.6839% | 4,512 |
| Core capital (leverage) ratio | 9.8612% | 3,799 |
| Tier 1 risk-based capital ratio | 13.5153% | 4,566 |
| Total risk-based capital ratio | 14.4355% | 4,725 |
| Memoranda: | ||
| Average total assets | $168,312,330 | 3,403 |
| Average earning assets | $153,552,330 | 3,421 |
| Average equity | $16,661,330 | 3,590 |
| Average total loans | $127,668,000 | 2,910 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 3,924 |
| Cost of funding earning assets | 0.5510% | 2,411 |
| Net interest margin | 3.3906% | 4,162 |
| Noninterest income to average assets | 1.1969% | 772 |
| Noninterest expense to average assets | 2.9391% | 3,084 |
| Loan and lease loss provision to assets | 0.2244% | 999 |
| Net operating income to assets | 0.7143% | 3,608 |
| Return on assets (ROA) | 0.7143% | 3,695 |
| Pretax return on assets | 1.1221% | 2,803 |
| Return on Equity (ROE) | 7.1345% | 3,394 |
| Retained earnings to average equity (ytd only) | 5.2062% | 2,991 |
| Net charge-offs to loans | 0.0512% | 2,669 |
| Credit loss provision to net charge-offs | 581.2500% | 487 |
| Earnings coverage of net charge-offs (x) | 34.8750% | 957 |
| Efficiency ratio | 68.5811% | 4,081 |
| Assets per employee ($millions) | 3.5931% | 4,736 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 5,517 |
| Loan loss allowance to noncurrent loans | 184.8703% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 3,913 |
| Noncurrent loans to loans | 0.5416% | 4,546 |
| Net loans and leases to total assets | 73.5550% | 1,337 |
| Net loans and leases to deposits | 88.6855% | 1,287 |
| Net loans and leases to core deposits | 95.7825% | 1,398 |
| Total domestic deposits to total assets | 82.9392% | 4,624 |
| Equity capital to assets | 9.6967% | 4,228 |
| Core capital (leverage) ratio | 10.2611% | 3,207 |
| Tier 1 risk-based capital ratio | 13.9083% | 4,387 |
| Total risk-based capital ratio | 14.9688% | 4,482 |
| Memoranda: | ||
| Average total assets | $165,763,000 | 3,469 |
| Average earning assets | $151,003,500 | 3,488 |
| Average equity | $16,595,500 | 3,605 |
| Average total loans | $124,901,000 | 2,970 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,962 |
| Cost of funding earning assets | 0.6818% | 1,947 |
| Net interest margin | 3.3541% | 4,465 |
| Noninterest income to average assets | 1.3895% | 727 |
| Noninterest expense to average assets | 3.0954% | 2,746 |
| Loan and lease loss provision to assets | 0.2252% | 1,616 |
| Net operating income to assets | 0.6929% | 3,824 |
| Return on assets (ROA) | 0.6929% | 3,921 |
| Pretax return on assets | 1.1175% | 2,894 |
| Return on Equity (ROE) | 6.9575% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.5601% | 2,919 |
| Net charge-offs to loans | 0.1939% | 2,917 |
| Credit loss provision to net charge-offs | 157.7586% | 1,459 |
| Earnings coverage of net charge-offs (x) | 9.4052% | 2,510 |
| Efficiency ratio | 69.7449% | 3,879 |
| Assets per employee ($millions) | 3.3136% | 5,258 |
| Cash dividends to net income (ytd only)* | 34.4583% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 5,615 |
| Loan loss allowance to noncurrent loans | 197.3813% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 3,409 |
| Noncurrent loans to loans | 0.5022% | 4,740 |
| Net loans and leases to total assets | 75.7298% | 1,114 |
| Net loans and leases to deposits | 86.7479% | 1,603 |
| Net loans and leases to core deposits | 92.9808% | 1,675 |
| Total domestic deposits to total assets | 87.2987% | 2,581 |
| Equity capital to assets | 10.3530% | 3,339 |
| Core capital (leverage) ratio | 10.3618% | 3,071 |
| Tier 1 risk-based capital ratio | 14.5296% | 3,938 |
| Total risk-based capital ratio | 15.5831% | 4,005 |
| Memoranda: | ||
| Average total assets | $162,501,400 | 3,523 |
| Average earning assets | $147,698,600 | 3,545 |
| Average equity | $16,184,000 | 3,674 |
| Average total loans | $119,656,200 | 3,045 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 4,079 |
| Cost of funding earning assets | 0.7036% | 1,926 |
| Net interest margin | 3.3095% | 4,601 |
| Noninterest income to average assets | 1.3156% | 855 |
| Noninterest expense to average assets | 3.0737% | 2,747 |
| Loan and lease loss provision to assets | 0.2204% | 1,651 |
| Net operating income to assets | 0.6360% | 4,192 |
| Return on assets (ROA) | 0.7117% | 3,931 |
| Pretax return on assets | 1.1459% | 2,912 |
| Return on Equity (ROE) | 7.2154% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.0049% | 3,847 |
| Net charge-offs to loans | 0.2305% | 2,422 |
| Credit loss provision to net charge-offs | 131.0680% | 1,803 |
| Earnings coverage of net charge-offs (x) | 7.4223% | 2,798 |
| Efficiency ratio | 71.1237% | 3,584 |
| Assets per employee ($millions) | 3.3804% | 5,104 |
| Cash dividends to net income (ytd only)* | 44.4953% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 5,929 |
| Loan loss allowance to noncurrent loans | 209.5941% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 3,842 |
| Noncurrent loans to loans | 0.4517% | 5,065 |
| Net loans and leases to total assets | 73.2463% | 1,410 |
| Net loans and leases to deposits | 83.1146% | 1,986 |
| Net loans and leases to core deposits | 90.5867% | 1,918 |
| Total domestic deposits to total assets | 88.1269% | 2,040 |
| Equity capital to assets | 10.0291% | 3,862 |
| Core capital (leverage) ratio | 10.1752% | 3,435 |
| Tier 1 risk-based capital ratio | 14.3345% | 4,194 |
| Total risk-based capital ratio | 15.3255% | 4,321 |
| Memoranda: | ||
| Average total assets | $163,363,000 | 3,543 |
| Average earning assets | $148,376,250 | 3,567 |
| Average equity | $16,113,250 | 3,726 |
| Average total loans | $119,155,750 | 3,077 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 4,223 |
| Cost of funding earning assets | 0.7228% | 1,901 |
| Net interest margin | 3.2474% | 4,782 |
| Noninterest income to average assets | 1.3266% | 881 |
| Noninterest expense to average assets | 3.0782% | 2,731 |
| Loan and lease loss provision to assets | 0.2199% | 1,724 |
| Net operating income to assets | 0.6037% | 4,256 |
| Return on assets (ROA) | 0.7170% | 3,901 |
| Pretax return on assets | 1.1580% | 2,851 |
| Return on Equity (ROE) | 7.3101% | 3,437 |
| Retained earnings to average equity (ytd only) | 2.4782% | 4,729 |
| Net charge-offs to loans | 0.3382% | 1,834 |
| Credit loss provision to net charge-offs | 89.5522% | 2,457 |
| Earnings coverage of net charge-offs (x) | 4.8905% | 3,009 |
| Efficiency ratio | 71.9383% | 3,478 |
| Assets per employee ($millions) | 3.3807% | 5,115 |
| Cash dividends to net income (ytd only)* | 66.0988% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 6,203 |
| Loan loss allowance to noncurrent loans | 188.0143% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9268% | 3,928 |
| Noncurrent loans to loans | 0.4661% | 5,090 |
| Net loans and leases to total assets | 73.2540% | 1,361 |
| Net loans and leases to deposits | 82.6500% | 1,972 |
| Net loans and leases to core deposits | 89.5236% | 1,952 |
| Total domestic deposits to total assets | 88.6316% | 1,822 |
| Equity capital to assets | 9.8499% | 4,127 |
| Core capital (leverage) ratio | 9.9723% | 3,564 |
| Tier 1 risk-based capital ratio | 13.8986% | 4,490 |
| Total risk-based capital ratio | 14.8033% | 4,696 |
| Memoranda: | ||
| Average total assets | $163,731,330 | 3,565 |
| Average earning assets | $148,858,670 | 3,579 |
| Average equity | $16,060,000 | 3,764 |
| Average total loans | $118,879,670 | 3,095 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 4,379 |
| Cost of funding earning assets | 0.7488% | 1,860 |
| Net interest margin | 3.1770% | 5,009 |
| Noninterest income to average assets | 1.3256% | 876 |
| Noninterest expense to average assets | 3.0986% | 2,678 |
| Loan and lease loss provision to assets | 0.2189% | 1,694 |
| Net operating income to assets | 0.5594% | 4,417 |
| Return on assets (ROA) | 0.5594% | 4,575 |
| Pretax return on assets | 0.8975% | 3,774 |
| Return on Equity (ROE) | 5.7150% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.7150% | 2,833 |
| Net charge-offs to loans | 0.1419% | 2,552 |
| Credit loss provision to net charge-offs | 214.2857% | 1,031 |
| Earnings coverage of net charge-offs (x) | 10.9286% | 1,699 |
| Efficiency ratio | 73.5141% | 3,347 |
| Assets per employee ($millions) | 3.4529% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,148 |
| Loan loss allowance to noncurrent loans | 141.4141% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 4,173 |
| Noncurrent loans to loans | 0.6687% | 4,782 |
| Net loans and leases to total assets | 70.7894% | 1,546 |
| Net loans and leases to deposits | 81.6858% | 1,875 |
| Net loans and leases to core deposits | 87.7461% | 1,933 |
| Total domestic deposits to total assets | 86.6605% | 3,150 |
| Equity capital to assets | 9.8081% | 4,407 |
| Core capital (leverage) ratio | 9.8763% | 3,564 |
| Tier 1 risk-based capital ratio | 14.0145% | 4,495 |
| Total risk-based capital ratio | 15.0167% | 4,644 |
| Memoranda: | ||
| Average total assets | $164,459,500 | 3,588 |
| Average earning assets | $149,573,500 | 3,599 |
| Average equity | $16,098,000 | 3,803 |
| Average total loans | $118,357,500 | 3,119 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 4,653 |
| Cost of funding earning assets | 0.9179% | 1,833 |
| Net interest margin | 3.2661% | 5,373 |
| Noninterest income to average assets | 1.5290% | 672 |
| Noninterest expense to average assets | 3.0325% | 3,154 |
| Loan and lease loss provision to assets | 0.2374% | 2,759 |
| Net operating income to assets | 0.7539% | 3,492 |
| Return on assets (ROA) | 0.7539% | 3,739 |
| Pretax return on assets | 1.2187% | 2,729 |
| Return on Equity (ROE) | 7.8108% | 3,179 |
| Retained earnings to average equity (ytd only) | 5.3578% | 2,464 |
| Net charge-offs to loans | 0.7188% | 1,639 |
| Credit loss provision to net charge-offs | 45.0355% | 4,815 |
| Earnings coverage of net charge-offs (x) | 2.7624% | 4,044 |
| Efficiency ratio | 67.5597% | 4,226 |
| Assets per employee ($millions) | 3.3302% | 5,361 |
| Cash dividends to net income (ytd only)* | 31.4050% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 6,249 |
| Loan loss allowance to noncurrent loans | 165.0769% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 4,403 |
| Noncurrent loans to loans | 0.5496% | 5,154 |
| Net loans and leases to total assets | 71.8203% | 1,516 |
| Net loans and leases to deposits | 82.0791% | 1,987 |
| Net loans and leases to core deposits | 88.1066% | 2,075 |
| Total domestic deposits to total assets | 87.5014% | 2,525 |
| Equity capital to assets | 9.7685% | 4,500 |
| Core capital (leverage) ratio | 9.7935% | 3,667 |
| Tier 1 risk-based capital ratio | 13.8652% | 4,482 |
| Total risk-based capital ratio | 14.7980% | 4,664 |
| Memoranda: | ||
| Average total assets | $160,494,400 | 3,618 |
| Average earning assets | $145,434,400 | 3,633 |
| Average equity | $15,491,400 | 3,860 |
| Average total loans | $117,701,800 | 3,130 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 4,776 |
| Cost of funding earning assets | 0.9471% | 1,869 |
| Net interest margin | 3.2644% | 5,498 |
| Noninterest income to average assets | 1.5241% | 640 |
| Noninterest expense to average assets | 3.0633% | 3,003 |
| Loan and lease loss provision to assets | 0.2136% | 2,934 |
| Net operating income to assets | 0.7466% | 3,704 |
| Return on assets (ROA) | 0.7466% | 3,956 |
| Pretax return on assets | 1.2088% | 2,962 |
| Return on Equity (ROE) | 7.7592% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.7249% | 3,578 |
| Net charge-offs to loans | 0.6555% | 1,666 |
| Credit loss provision to net charge-offs | 44.2907% | 4,524 |
| Earnings coverage of net charge-offs (x) | 2.9498% | 3,845 |
| Efficiency ratio | 68.2909% | 3,998 |
| Assets per employee ($millions) | 3.3221% | 5,391 |
| Cash dividends to net income (ytd only)* | 39.1067% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,918 |
| Loan loss allowance to noncurrent loans | 233.3973% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 4,437 |
| Noncurrent loans to loans | 0.4474% | 5,553 |
| Net loans and leases to total assets | 72.2592% | 1,507 |
| Net loans and leases to deposits | 81.4969% | 2,186 |
| Net loans and leases to core deposits | 87.9286% | 2,226 |
| Total domestic deposits to total assets | 88.6650% | 1,617 |
| Equity capital to assets | 9.8186% | 4,753 |
| Core capital (leverage) ratio | 9.7127% | 3,936 |
| Tier 1 risk-based capital ratio | 13.5416% | 4,856 |
| Total risk-based capital ratio | 14.5964% | 4,953 |
| Memoranda: | ||
| Average total assets | $159,823,500 | 3,662 |
| Average earning assets | $144,997,250 | 3,675 |
| Average equity | $15,379,250 | 3,914 |
| Average total loans | $117,560,250 | 3,170 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 4,985 |
| Cost of funding earning assets | 0.9671% | 1,953 |
| Net interest margin | 3.2238% | 5,663 |
| Noninterest income to average assets | 1.5455% | 617 |
| Noninterest expense to average assets | 3.0323% | 3,143 |
| Loan and lease loss provision to assets | 0.2388% | 2,677 |
| Net operating income to assets | 0.7303% | 3,704 |
| Return on assets (ROA) | 0.7303% | 3,974 |
| Pretax return on assets | 1.2004% | 2,924 |
| Return on Equity (ROE) | 7.6406% | 3,426 |
| Retained earnings to average equity (ytd only) | 3.0615% | 4,604 |
| Net charge-offs to loans | 0.6987% | 1,585 |
| Credit loss provision to net charge-offs | 46.3592% | 4,122 |
| Earnings coverage of net charge-offs (x) | 2.7937% | 3,628 |
| Efficiency ratio | 67.8132% | 4,162 |
| Assets per employee ($millions) | 3.2677% | 5,522 |
| Cash dividends to net income (ytd only)* | 59.9315% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,654 |
| Loan loss allowance to noncurrent loans | 132.0963% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0973% | 4,185 |
| Noncurrent loans to loans | 0.8543% | 4,808 |
| Net loans and leases to total assets | 72.0645% | 1,542 |
| Net loans and leases to deposits | 82.9206% | 1,993 |
| Net loans and leases to core deposits | 90.0351% | 1,982 |
| Total domestic deposits to total assets | 86.9079% | 2,826 |
| Equity capital to assets | 9.6016% | 4,912 |
| Core capital (leverage) ratio | 9.5320% | 4,102 |
| Tier 1 risk-based capital ratio | 13.4438% | 4,872 |
| Total risk-based capital ratio | 14.5983% | 4,892 |
| Memoranda: | ||
| Average total assets | $159,944,000 | 3,663 |
| Average earning assets | $145,172,000 | 3,693 |
| Average equity | $15,286,670 | 3,924 |
| Average total loans | $117,933,000 | 3,181 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 5,188 |
| Cost of funding earning assets | 0.9788% | 2,111 |
| Net interest margin | 3.1984% | 5,785 |
| Noninterest income to average assets | 1.4863% | 654 |
| Noninterest expense to average assets | 3.0027% | 3,238 |
| Loan and lease loss provision to assets | 0.2127% | 2,827 |
| Net operating income to assets | 0.7106% | 3,834 |
| Return on assets (ROA) | 0.7106% | 4,054 |
| Pretax return on assets | 1.1736% | 3,014 |
| Return on Equity (ROE) | 7.4526% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.4526% | 2,200 |
| Net charge-offs to loans | 0.1282% | 3,337 |
| Credit loss provision to net charge-offs | 223.6842% | 1,244 |
| Earnings coverage of net charge-offs (x) | 14.5789% | 1,461 |
| Efficiency ratio | 68.4151% | 4,090 |
| Assets per employee ($millions) | 3.3730% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,835 |
| Loan loss allowance to noncurrent loans | 78.0020% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.5021% | 3,607 |
| Noncurrent loans to loans | 1.7210% | 3,531 |
| Net loans and leases to total assets | 71.9467% | 1,416 |
| Net loans and leases to deposits | 83.6416% | 1,710 |
| Net loans and leases to core deposits | 89.5619% | 1,895 |
| Total domestic deposits to total assets | 86.0178% | 3,520 |
| Equity capital to assets | 9.4969% | 4,812 |
| Core capital (leverage) ratio | 9.5638% | 3,967 |
| Tier 1 risk-based capital ratio | 13.1391% | 5,101 |
| Total risk-based capital ratio | 14.3901% | 5,075 |
| Memoranda: | ||
| Average total assets | $159,856,500 | 3,691 |
| Average earning assets | $145,071,500 | 3,714 |
| Average equity | $15,243,000 | 3,946 |
| Average total loans | $118,546,500 | 3,186 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 5,218 |
| Cost of funding earning assets | 1.1453% | 2,376 |
| Net interest margin | 3.3152% | 5,761 |
| Noninterest income to average assets | 1.3752% | 677 |
| Noninterest expense to average assets | 3.0498% | 3,393 |
| Loan and lease loss provision to assets | 0.1663% | 4,560 |
| Net operating income to assets | 0.7133% | 3,425 |
| Return on assets (ROA) | 0.7133% | 3,606 |
| Pretax return on assets | 1.1753% | 2,550 |
| Return on Equity (ROE) | 7.7510% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.7510% | 1,170 |
| Net charge-offs to loans | 0.0417% | 5,897 |
| Credit loss provision to net charge-offs | 534.6939% | 429 |
| Earnings coverage of net charge-offs (x) | 43.1429% | 633 |
| Efficiency ratio | 69.4509% | 4,063 |
| Assets per employee ($millions) | 3.4306% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,943 |
| Loan loss allowance to noncurrent loans | 101.5182% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 4,171 |
| Noncurrent loans to loans | 1.2729% | 4,243 |
| Net loans and leases to total assets | 74.4479% | 1,188 |
| Net loans and leases to deposits | 86.5036% | 1,612 |
| Net loans and leases to core deposits | 93.6859% | 1,726 |
| Total domestic deposits to total assets | 86.0634% | 3,285 |
| Equity capital to assets | 9.5750% | 4,777 |
| Core capital (leverage) ratio | 9.4389% | 4,126 |
| Tier 1 risk-based capital ratio | 13.3833% | 4,786 |
| Total risk-based capital ratio | 14.5637% | 4,808 |
| Memoranda: | ||
| Average total assets | $157,582,600 | 3,665 |
| Average earning assets | $143,369,800 | 3,688 |
| Average equity | $14,501,400 | 4,009 |
| Average total loans | $117,572,400 | 3,226 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 5,396 |
| Cost of funding earning assets | 1.1742% | 2,486 |
| Net interest margin | 3.2846% | 5,903 |
| Noninterest income to average assets | 1.3585% | 710 |
| Noninterest expense to average assets | 3.0546% | 3,331 |
| Loan and lease loss provision to assets | 0.1676% | 4,376 |
| Net operating income to assets | 0.6805% | 3,713 |
| Return on assets (ROA) | 0.6805% | 3,887 |
| Pretax return on assets | 1.1266% | 2,909 |
| Return on Equity (ROE) | 7.4706% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.4706% | 1,724 |
| Net charge-offs to loans | 0.0398% | 5,594 |
| Credit loss provision to net charge-offs | 565.7143% | 488 |
| Earnings coverage of net charge-offs (x) | 43.6816% | 727 |
| Efficiency ratio | 70.2413% | 3,918 |
| Assets per employee ($millions) | 3.2697% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 5,169 |
| Loan loss allowance to noncurrent loans | 124.1034% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 4,771 |
| Noncurrent loans to loans | 1.0203% | 4,851 |
| Net loans and leases to total assets | 73.9284% | 1,332 |
| Net loans and leases to deposits | 85.0825% | 1,821 |
| Net loans and leases to core deposits | 92.2343% | 1,976 |
| Total domestic deposits to total assets | 86.8903% | 2,719 |
| Equity capital to assets | 9.4492% | 5,166 |
| Core capital (leverage) ratio | 9.2808% | 4,480 |
| Tier 1 risk-based capital ratio | 13.1996% | 4,950 |
| Total risk-based capital ratio | 14.4592% | 4,922 |
| Memoranda: | ||
| Average total assets | $157,526,500 | 3,701 |
| Average earning assets | $143,411,750 | 3,712 |
| Average equity | $14,349,250 | 4,064 |
| Average total loans | $117,210,000 | 3,256 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 5,606 |
| Cost of funding earning assets | 1.2012% | 2,580 |
| Net interest margin | 3.2233% | 6,085 |
| Noninterest income to average assets | 1.3112% | 731 |
| Noninterest expense to average assets | 3.0522% | 3,423 |
| Loan and lease loss provision to assets | 0.1585% | 4,334 |
| Net operating income to assets | 0.6290% | 3,913 |
| Return on assets (ROA) | 0.6290% | 4,035 |
| Pretax return on assets | 1.0335% | 3,108 |
| Return on Equity (ROE) | 6.9913% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.9913% | 1,880 |
| Net charge-offs to loans | 0.0700% | 4,937 |
| Credit loss provision to net charge-offs | 304.8780% | 993 |
| Earnings coverage of net charge-offs (x) | 22.9268% | 1,107 |
| Efficiency ratio | 71.9151% | 3,751 |
| Assets per employee ($millions) | 3.4718% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,579 |
| Loan loss allowance to noncurrent loans | 105.7808% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 4,706 |
| Noncurrent loans to loans | 1.1271% | 4,776 |
| Net loans and leases to total assets | 73.1145% | 1,572 |
| Net loans and leases to deposits | 85.5479% | 1,853 |
| Net loans and leases to core deposits | 91.9410% | 2,142 |
| Total domestic deposits to total assets | 85.4661% | 3,637 |
| Equity capital to assets | 9.1100% | 5,419 |
| Core capital (leverage) ratio | 9.2518% | 4,323 |
| Tier 1 risk-based capital ratio | 12.8271% | 5,069 |
| Total risk-based capital ratio | 14.0733% | 5,048 |
| Memoranda: | ||
| Average total assets | $157,720,330 | 3,717 |
| Average earning assets | $143,519,670 | 3,732 |
| Average equity | $14,189,000 | 4,088 |
| Average total loans | $117,108,330 | 3,287 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 5,710 |
| Cost of funding earning assets | 1.2483% | 2,512 |
| Net interest margin | 3.1474% | 6,223 |
| Noninterest income to average assets | 1.3220% | 735 |
| Noninterest expense to average assets | 3.0907% | 3,289 |
| Loan and lease loss provision to assets | 0.1531% | 4,108 |
| Net operating income to assets | 0.5742% | 4,159 |
| Return on assets (ROA) | 0.5742% | 4,235 |
| Pretax return on assets | 0.9418% | 3,353 |
| Return on Equity (ROE) | 6.4244% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.4244% | 2,408 |
| Net charge-offs to loans | 0.1167% | 3,837 |
| Credit loss provision to net charge-offs | 176.4706% | 1,653 |
| Earnings coverage of net charge-offs (x) | 12.6176% | 1,487 |
| Efficiency ratio | 73.8415% | 3,541 |
| Assets per employee ($millions) | 3.4323% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,792 |
| Loan loss allowance to noncurrent loans | 90.9704% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1468% | 4,644 |
| Noncurrent loans to loans | 1.2778% | 4,563 |
| Net loans and leases to total assets | 71.1573% | 1,889 |
| Net loans and leases to deposits | 86.4013% | 1,665 |
| Net loans and leases to core deposits | 92.2349% | 2,098 |
| Total domestic deposits to total assets | 82.3568% | 5,164 |
| Equity capital to assets | 8.7782% | 5,531 |
| Core capital (leverage) ratio | 8.9986% | 4,618 |
| Tier 1 risk-based capital ratio | 12.6367% | 5,130 |
| Total risk-based capital ratio | 13.8372% | 5,159 |
| Memoranda: | ||
| Average total assets | $156,729,000 | 3,761 |
| Average earning assets | $142,595,000 | 3,781 |
| Average equity | $14,009,000 | 4,110 |
| Average total loans | $116,575,000 | 3,327 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 5,105 |
| Cost of funding earning assets | 1.5451% | 2,374 |
| Net interest margin | 3.3388% | 5,839 |
| Noninterest income to average assets | 1.3632% | 794 |
| Noninterest expense to average assets | 3.2100% | 3,053 |
| Loan and lease loss provision to assets | 0.1728% | 5,490 |
| Net operating income to assets | 0.6147% | 3,608 |
| Return on assets (ROA) | 0.6147% | 3,777 |
| Pretax return on assets | 1.0061% | 2,915 |
| Return on Equity (ROE) | 6.7069% | 3,258 |
| Retained earnings to average equity (ytd only) | 3.7717% | 3,224 |
| Net charge-offs to loans | 0.0827% | 6,001 |
| Credit loss provision to net charge-offs | 267.7083% | 1,039 |
| Earnings coverage of net charge-offs (x) | 18.2604% | 1,112 |
| Efficiency ratio | 73.1382% | 3,573 |
| Assets per employee ($millions) | 3.2370% | 5,574 |
| Cash dividends to net income (ytd only)* | 43.7637% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,818 |
| Loan loss allowance to noncurrent loans | 253.1549% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 5,733 |
| Noncurrent loans to loans | 0.4470% | 6,147 |
| Net loans and leases to total assets | 76.0395% | 1,263 |
| Net loans and leases to deposits | 89.6964% | 1,567 |
| Net loans and leases to core deposits | 95.8046% | 2,036 |
| Total domestic deposits to total assets | 84.7743% | 3,958 |
| Equity capital to assets | 9.1082% | 4,983 |
| Core capital (leverage) ratio | 9.2462% | 4,098 |
| Tier 1 risk-based capital ratio | 12.2944% | 5,215 |
| Total risk-based capital ratio | 13.4642% | 5,254 |
| Memoranda: | ||
| Average total assets | $148,693,200 | 3,894 |
| Average earning assets | $134,747,000 | 3,915 |
| Average equity | $13,627,800 | 4,232 |
| Average total loans | $116,123,400 | 3,400 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 5,170 |
| Cost of funding earning assets | 1.5953% | 2,415 |
| Net interest margin | 3.3251% | 5,940 |
| Noninterest income to average assets | 1.3429% | 748 |
| Noninterest expense to average assets | 3.2315% | 2,814 |
| Loan and lease loss provision to assets | 0.1750% | 5,291 |
| Net operating income to assets | 0.5799% | 3,960 |
| Return on assets (ROA) | 0.5799% | 4,118 |
| Pretax return on assets | 0.9479% | 3,376 |
| Return on Equity (ROE) | 6.3175% | 3,673 |
| Retained earnings to average equity (ytd only) | 2.3875% | 4,741 |
| Net charge-offs to loans | 0.1265% | 5,289 |
| Credit loss provision to net charge-offs | 176.3636% | 2,087 |
| Earnings coverage of net charge-offs (x) | 11.3184% | 1,804 |
| Efficiency ratio | 74.2129% | 3,284 |
| Assets per employee ($millions) | 3.2167% | 5,637 |
| Cash dividends to net income (ytd only)* | 62.2085% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 6,056 |
| Loan loss allowance to noncurrent loans | 261.9748% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 5,913 |
| Noncurrent loans to loans | 0.4095% | 6,381 |
| Net loans and leases to total assets | 77.7161% | 1,086 |
| Net loans and leases to deposits | 94.9093% | 1,105 |
| Net loans and leases to core deposits | 102.4327% | 1,611 |
| Total domestic deposits to total assets | 81.8846% | 5,042 |
| Equity capital to assets | 9.2446% | 5,234 |
| Core capital (leverage) ratio | 9.3034% | 4,204 |
| Tier 1 risk-based capital ratio | 12.5217% | 4,957 |
| Total risk-based capital ratio | 13.6657% | 5,030 |
| Memoranda: | ||
| Average total assets | $147,832,000 | 3,965 |
| Average earning assets | $133,889,000 | 3,990 |
| Average equity | $13,570,500 | 4,311 |
| Average total loans | $115,902,000 | 3,450 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 5,467 |
| Cost of funding earning assets | 1.6008% | 2,649 |
| Net interest margin | 3.2836% | 6,071 |
| Noninterest income to average assets | 1.3154% | 734 |
| Noninterest expense to average assets | 3.2168% | 2,843 |
| Loan and lease loss provision to assets | 0.1719% | 5,147 |
| Net operating income to assets | 0.5521% | 4,082 |
| Return on assets (ROA) | 0.5521% | 4,224 |
| Pretax return on assets | 0.9054% | 3,470 |
| Return on Equity (ROE) | 6.0291% | 3,789 |
| Retained earnings to average equity (ytd only) | 0.1182% | 5,697 |
| Net charge-offs to loans | 0.1641% | 4,633 |
| Credit loss provision to net charge-offs | 133.6842% | 3,005 |
| Earnings coverage of net charge-offs (x) | 8.3789% | 2,144 |
| Efficiency ratio | 74.9133% | 3,278 |
| Assets per employee ($millions) | 2.9816% | 6,175 |
| Cash dividends to net income (ytd only)* | 98.0392% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 6,282 |
| Loan loss allowance to noncurrent loans | 295.7921% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 6,098 |
| Noncurrent loans to loans | 0.3475% | 6,540 |
| Net loans and leases to total assets | 77.1753% | 1,261 |
| Net loans and leases to deposits | 97.6963% | 905 |
| Net loans and leases to core deposits | 106.1864% | 1,424 |
| Total domestic deposits to total assets | 78.9952% | 6,041 |
| Equity capital to assets | 9.0267% | 5,406 |
| Core capital (leverage) ratio | 8.9846% | 4,625 |
| Tier 1 risk-based capital ratio | 12.3550% | 4,985 |
| Total risk-based capital ratio | 13.4561% | 5,093 |
| Memoranda: | ||
| Average total assets | $147,786,670 | 4,003 |
| Average earning assets | $134,060,000 | 4,020 |
| Average equity | $13,534,330 | 4,309 |
| Average total loans | $115,788,670 | 3,486 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 5,745 |
| Cost of funding earning assets | 1.6220% | 2,820 |
| Net interest margin | 3.2141% | 6,253 |
| Noninterest income to average assets | 1.2859% | 734 |
| Noninterest expense to average assets | 3.2323% | 2,750 |
| Loan and lease loss provision to assets | 0.1713% | 4,814 |
| Net operating income to assets | 0.4893% | 4,445 |
| Return on assets (ROA) | 0.4893% | 4,581 |
| Pretax return on assets | 0.8020% | 3,853 |
| Return on Equity (ROE) | 5.3046% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.3046% | 2,983 |
| Net charge-offs to loans | 0.1108% | 4,322 |
| Credit loss provision to net charge-offs | 196.8750% | 1,882 |
| Earnings coverage of net charge-offs (x) | 11.1875% | 1,671 |
| Efficiency ratio | 76.8584% | 3,081 |
| Assets per employee ($millions) | 3.0088% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 6,255 |
| Loan loss allowance to noncurrent loans | 269.5260% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 6,109 |
| Noncurrent loans to loans | 0.3878% | 6,505 |
| Net loans and leases to total assets | 76.6649% | 1,399 |
| Net loans and leases to deposits | 96.4230% | 1,061 |
| Net loans and leases to core deposits | 103.6821% | 1,771 |
| Total domestic deposits to total assets | 79.5089% | 5,940 |
| Equity capital to assets | 9.2661% | 4,886 |
| Core capital (leverage) ratio | 9.1980% | 4,229 |
| Tier 1 risk-based capital ratio | 12.7957% | 4,485 |
| Total risk-based capital ratio | 13.9165% | 4,558 |
| Memoranda: | ||
| Average total assets | $147,140,000 | 4,060 |
| Average earning assets | $133,661,500 | 4,084 |
| Average equity | $13,573,000 | 4,334 |
| Average total loans | $115,559,000 | 3,550 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3551% | 4,920 |
| Cost of funding earning assets | 1.8142% | 3,914 |
| Net interest margin | 3.5409% | 4,773 |
| Noninterest income to average assets | 1.4525% | 685 |
| Noninterest expense to average assets | 3.3910% | 2,707 |
| Loan and lease loss provision to assets | 0.1478% | 6,186 |
| Net operating income to assets | 0.6936% | 2,960 |
| Return on assets (ROA) | 0.6936% | 3,032 |
| Pretax return on assets | 1.1341% | 2,144 |
| Return on Equity (ROE) | 7.4145% | 2,611 |
| Retained earnings to average equity (ytd only) | 2.6665% | 3,284 |
| Net charge-offs to loans | 0.1683% | 5,605 |
| Credit loss provision to net charge-offs | 109.4737% | 5,036 |
| Earnings coverage of net charge-offs (x) | 9.4947% | 1,793 |
| Efficiency ratio | 72.5669% | 4,170 |
| Assets per employee ($millions) | 2.9969% | 6,236 |
| Cash dividends to net income (ytd only)* | 64.0369% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 6,423 |
| Loan loss allowance to noncurrent loans | 248.5043% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 6,113 |
| Noncurrent loans to loans | 0.4004% | 6,476 |
| Net loans and leases to total assets | 78.8110% | 1,224 |
| Net loans and leases to deposits | 101.6584% | 779 |
| Net loans and leases to core deposits | 140.7905% | 782 |
| Total domestic deposits to total assets | 77.5254% | 6,347 |
| Equity capital to assets | 9.1828% | 4,867 |
| Core capital (leverage) ratio | 9.1545% | 4,192 |
| Tier 1 risk-based capital ratio | 12.4138% | 4,581 |
| Total risk-based capital ratio | 13.4876% | 4,700 |
| Memoranda: | ||
| Average total assets | $140,724,400 | 4,109 |
| Average earning assets | $127,991,200 | 4,131 |
| Average equity | $13,163,400 | 4,472 |
| Average total loans | $112,862,000 | 3,630 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 4,933 |
| Cost of funding earning assets | 1.8517% | 4,141 |
| Net interest margin | 3.5516% | 4,667 |
| Noninterest income to average assets | 1.4828% | 676 |
| Noninterest expense to average assets | 3.4551% | 2,405 |
| Loan and lease loss provision to assets | 0.1504% | 5,847 |
| Net operating income to assets | 0.6763% | 3,294 |
| Return on assets (ROA) | 0.6763% | 3,356 |
| Pretax return on assets | 1.1054% | 2,545 |
| Return on Equity (ROE) | 7.1949% | 2,988 |
| Retained earnings to average equity (ytd only) | 1.5898% | 4,422 |
| Net charge-offs to loans | 0.1919% | 4,861 |
| Credit loss provision to net charge-offs | 97.5155% | 5,237 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 2,300 |
| Efficiency ratio | 73.3428% | 3,987 |
| Assets per employee ($millions) | 2.9073% | 6,385 |
| Cash dividends to net income (ytd only)* | 77.9042% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 6,391 |
| Loan loss allowance to noncurrent loans | 288.8608% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 6,156 |
| Noncurrent loans to loans | 0.3400% | 6,680 |
| Net loans and leases to total assets | 79.1308% | 1,361 |
| Net loans and leases to deposits | 100.6589% | 1,051 |
| Net loans and leases to core deposits | 137.0825% | 1,048 |
| Total domestic deposits to total assets | 78.6128% | 5,927 |
| Equity capital to assets | 9.1713% | 5,215 |
| Core capital (leverage) ratio | 9.0828% | 4,526 |
| Tier 1 risk-based capital ratio | 12.4468% | 4,589 |
| Total risk-based capital ratio | 13.5166% | 4,675 |
| Memoranda: | ||
| Average total assets | $139,193,000 | 4,157 |
| Average earning assets | $126,514,000 | 4,195 |
| Average equity | $13,083,000 | 4,514 |
| Average total loans | $111,853,250 | 3,693 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4960% | 4,656 |
| Cost of funding earning assets | 1.8792% | 4,376 |
| Net interest margin | 3.6168% | 4,296 |
| Noninterest income to average assets | 1.4730% | 678 |
| Noninterest expense to average assets | 3.5410% | 2,220 |
| Loan and lease loss provision to assets | 0.1633% | 5,426 |
| Net operating income to assets | 0.6373% | 3,519 |
| Return on assets (ROA) | 0.6373% | 3,625 |
| Pretax return on assets | 1.0442% | 2,831 |
| Return on Equity (ROE) | 6.7231% | 3,321 |
| Retained earnings to average equity (ytd only) | -1.7385% | 5,679 |
| Net charge-offs to loans | 0.1811% | 4,438 |
| Credit loss provision to net charge-offs | 112.0000% | 4,133 |
| Earnings coverage of net charge-offs (x) | 8.2800% | 2,287 |
| Efficiency ratio | 74.5700% | 3,945 |
| Assets per employee ($millions) | 2.8634% | 6,484 |
| Cash dividends to net income (ytd only)* | 125.8581% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 6,221 |
| Loan loss allowance to noncurrent loans | 266.5899% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 6,121 |
| Noncurrent loans to loans | 0.3760% | 6,574 |
| Net loans and leases to total assets | 79.8127% | 1,346 |
| Net loans and leases to deposits | 101.4381% | 1,122 |
| Net loans and leases to core deposits | 136.9451% | 1,163 |
| Total domestic deposits to total assets | 78.6811% | 5,903 |
| Equity capital to assets | 9.0921% | 5,171 |
| Core capital (leverage) ratio | 9.3499% | 4,100 |
| Tier 1 risk-based capital ratio | 12.2021% | 4,751 |
| Total risk-based capital ratio | 13.2912% | 4,805 |
| Memoranda: | ||
| Average total assets | $137,135,000 | 4,232 |
| Average earning assets | $124,199,000 | 4,264 |
| Average equity | $13,000,000 | 4,541 |
| Average total loans | $110,414,000 | 3,755 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 4,401 |
| Cost of funding earning assets | 1.9574% | 4,341 |
| Net interest margin | 3.6352% | 4,165 |
| Noninterest income to average assets | 1.4614% | 656 |
| Noninterest expense to average assets | 3.4358% | 2,265 |
| Loan and lease loss provision to assets | 0.1461% | 5,069 |
| Net operating income to assets | 0.7188% | 3,465 |
| Return on assets (ROA) | 0.7188% | 3,663 |
| Pretax return on assets | 1.1751% | 2,700 |
| Return on Equity (ROE) | 7.4202% | 3,413 |
| Retained earnings to average equity (ytd only) | -9.5139% | 7,060 |
| Net charge-offs to loans | 0.3855% | 2,560 |
| Credit loss provision to net charge-offs | 47.1154% | 4,728 |
| Earnings coverage of net charge-offs (x) | 4.2596% | 2,927 |
| Efficiency ratio | 72.2257% | 4,153 |
| Assets per employee ($millions) | 2.7330% | 6,796 |
| Cash dividends to net income (ytd only)* | 228.2158% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 6,123 |
| Loan loss allowance to noncurrent loans | 225.8799% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 5,809 |
| Noncurrent loans to loans | 0.4462% | 6,307 |
| Net loans and leases to total assets | 80.0208% | 1,387 |
| Net loans and leases to deposits | 96.7690% | 1,829 |
| Net loans and leases to core deposits | 125.2973% | 1,970 |
| Total domestic deposits to total assets | 82.6925% | 4,292 |
| Equity capital to assets | 9.5632% | 4,580 |
| Core capital (leverage) ratio | 9.4673% | 4,023 |
| Tier 1 risk-based capital ratio | 12.5146% | 4,540 |
| Total risk-based capital ratio | 13.5840% | 4,592 |
| Memoranda: | ||
| Average total assets | $134,118,000 | 4,326 |
| Average earning assets | $121,589,000 | 4,343 |
| Average equity | $12,991,500 | 4,578 |
| Average total loans | $107,909,000 | 3,845 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4919% | 2,999 |
| Cost of funding earning assets | 2.2680% | 5,298 |
| Net interest margin | 4.2240% | 2,210 |
| Noninterest income to average assets | 1.3177% | 839 |
| Noninterest expense to average assets | 3.2776% | 3,047 |
| Loan and lease loss provision to assets | 1.4162% | 974 |
| Net operating income to assets | 0.3344% | 5,424 |
| Return on assets (ROA) | 0.3445% | 5,193 |
| Pretax return on assets | 0.5157% | 4,932 |
| Return on Equity (ROE) | 3.3487% | 5,097 |
| Retained earnings to average equity (ytd only) | -7.7111% | 6,863 |
| Net charge-offs to loans | 0.1919% | 4,270 |
| Credit loss provision to net charge-offs | 1,004.5918% | 440 |
| Earnings coverage of net charge-offs (x) | 13.5969% | 2,120 |
| Efficiency ratio | 63.0989% | 5,761 |
| Assets per employee ($millions) | 2.7412% | 6,694 |
| Cash dividends to net income (ytd only)* | 330.2714% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 5,515 |
| Loan loss allowance to noncurrent loans | 391.1263% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 6,277 |
| Noncurrent loans to loans | 0.2724% | 6,560 |
| Net loans and leases to total assets | 79.2290% | 1,828 |
| Net loans and leases to deposits | 97.1517% | 2,264 |
| Net loans and leases to core deposits | 126.8330% | 2,094 |
| Total domestic deposits to total assets | 81.5519% | 4,388 |
| Equity capital to assets | 9.8096% | 4,281 |
| Core capital (leverage) ratio | 9.7469% | 3,718 |
| Tier 1 risk-based capital ratio | 14.0275% | 3,536 |
| Total risk-based capital ratio | 15.3642% | 3,410 |
| Memoranda: | ||
| Average total assets | $139,033,000 | 4,100 |
| Average earning assets | $127,604,200 | 4,094 |
| Average equity | $14,304,000 | 4,268 |
| Average total loans | $102,116,000 | 3,892 |